Credit scores are a snapshot of your actual credit reports. Not all creditors report to all three credit bureaus, nor do they necessarily do it at the same time.
Say that you have a store credit card, and the store wants to save money so it reports to only one credit bureau rather than all three. That means that your credit reports with all three bureaus are not equal, and so does your credit score. In fact, it’s normal for your score to be different at each credit bureau. There is no such thing as one being more accurate (See understanding-fico-scores.html for more information.
You don’t tell your creditors which score to use. Large creditors check all three, while smaller ones simply use the bureau they have contract with.
Hope this clarify things for you.
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