Financial institutions often request FICO, Beacon, or Empirica credit score as part of the report. Codes and descriptions indicating the reasons for the score are also included. Because the bureaus don't share data, it is common to find differences in the data, as well as the scores, for the same consumer. Many companies are members of just one or two of the bureaus, but not all three. Not all companies report to the bureaus.
Some companies only report derogatory data.
Provides built-in communication protocols for all three bureaus. Resolves incompatibilities in request and response data layouts. Allows your own rules for selecting which bureau to use on a case by case basis. Allows your own rules for choosing which credit scores to use. Can maintain multiple shared or separate connections to the bureaus, using differing connection devices.