@wilson382 wrote:@Wade64 wrote:
No they will not share the TL. The only way they will pick up the TL is the lender sends them your TL
Is there anything I can do to have my Tradeline on the 3 Credit Bureau when creditor reports only to one?
No, as there's no mandate that it be reported at all; however, LC pulls TU, but we had a user report recently (2ish weeks ago) that it reports to all 3 but we had different information posted over time, so things may have changed recently.
@wilson382 wrote:
@Revelate wrote:
@wilson382 wrote:@Wade64 wrote:
No they will not share the TL. The only way they will pick up the TL is the lender sends them your TL
Is there anything I can do to have my Tradeline on the 3 Credit Bureau when creditor reports only to one?
No, as there's no mandate that it be reported at all; however, LC pulls TU, but we had a user report recently (2ish weeks ago) that it reports to all 3 but we had different information posted over time, so things may have changed recently.
I called a Lending Club, just wanted to inform you all on how really reports.
On a Monthly basis they only report to Transunion, however when the Loan closes, the loan and the payment history is forwarded to the other 2 Equifax and Experian.
That's pretty strange, I wonder why they do that. Regardless, thanks for the clarification.
@wilson382 wrote:
@Revelate wrote:
@wilson382 wrote:@Wade64 wrote:
No they will not share the TL. The only way they will pick up the TL is the lender sends them your TL
Is there anything I can do to have my Tradeline on the 3 Credit Bureau when creditor reports only to one?
No, as there's no mandate that it be reported at all; however, LC pulls TU, but we had a user report recently (2ish weeks ago) that it reports to all 3 but we had different information posted over time, so things may have changed recently.
I called a Lending Club, just wanted to inform you all on how really reports.
On a Monthly basis they only report to Transunion, however when the Loan closes, the loan and the payment history is forwarded to the other 2 Equifax and Experian.
That doesn't make sense 
looks like they would report to all 3 unless they are saving a few dollars by only reporting to the 1
@RobertEG wrote:Additionally, it would probably be illegal for them to make information available to others, including other CRAs, unless mandated to do so by some specific provision of statute, as in the case of certain identity theft information.
Finally, one CRA has no permissible purpose to request credit reports from other CRAs, so they could not initiate such requests for your information.
Interesting point about the legality of it; I simply assumed since they are competitors and more data equates to better resolution (in theory) that they'd never share information for wanting to earn a bigger slice of the pie from their primary customers.