We have checked with all the banks we work with and confirmed that every bank on our list does report to all three bureaus. However, it is well known that the bank’s / credit bureau’s reporting of data is often less than perfect.
For this reason, we guarantee that the tradeline will post to at least two out of the three major credit bureaus. We are not saying that it will only post to two bureaus, rather we are simply saying that our money back guarantee is that it will post to any two out of three bureaus. The majority of the time it does post to all three bureaus but in the event that it only posts to two bureaus we did in fact deliver on our promise.
Often people ask if we only guarantee that it will post to two out of the three bureaus can we tell them which two they will post to? Unfortunately, we do not know the answer to this question because again, more times than not it ends up posts to all three bureaus. Whenever it posts to less than three bureaus that usually implies there was some sort of error or glitch in the data transmission either from the bank or on the bureau side. We do not know why these glitches happen but we do know they happen and are a reality in this industry. Therefore, as a consumer it is best to plan for all possibilities and this is also a good reason to consider adding multiple tradelines from different banks to hedge against these possible data errors.