I think it's stupid that there are 3 credit bureaus and all three have different scoring models and will show different things. Not everyone reports to all 3 which I think should be mandatory. I think if you are going to report something about someone, it should be to all three credit bureaus. Then those 3 should be legally responsible for ensuring that they are all reporting the same accurate information. The only difference should be their scoring model which should still be fair, but would allow for some slight differences.
Because what happens if you have a loan that you have paid on time for a year and only one out of three bureaus are reporting it? You end up with one bureau having a higher score and then two bureaus with a lower score. So you try to go buy something like a house and the lender is going to use the middle score. You get screwed out of a good interest rate that you should be entitled to because of that. IT'S NOT RIGHT.
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