No. Although information collected by these bureaus is supposed to be the same, inconsistencies frequently occur. The three major credit bureaus, Equifax, Experian, and TransUnion, are all independent of each other and do not share any information; therefore, the personal financial information that is contained in your credit file at one of the credit bureau companies will most likely not be exactly the same as the credit information in another.
Each credit bureau provides the following information about you and your personal financial history, although the exact information in these categories may differ:
There are four main categories of information in your credit report
Your credit report contains information that identifies you, including the following:
Your credit report includes your history of bill paying with lenders such as
Your report lists any items that may affect your credit. These items include
When lenders check your credit history, they can pull a report containing the above information from any one of the 3 major bureaus. One bureau's credit report may contain more accurate information about your personal financial history than another, but you don't know which agency that will be, much less which agency a potential lender will pull your report from.
Luckily, there's a solution to this dilemma: a 3 in 1 credit report. While, as mentioned, a single bureau report includes information from one agency only, a 3-in-one report provides your credit history as provided by all three major agencies (Equifax, Experian, and TransUnion). By checking the credit reports from all three, you'll be able to fix any errors that come up, and you'll know exactly what lenders will see regarding your credit history, no matter which agency's report they use.