Yes. When choosing a credit card issuer, one of the most important factors to consider is whether the issuer reports to all 3 major credit bureaus, Equifax, Experian, and Transunion. If you’re trying to build up your credit score, getting the wrong type of card from an issuer that doesn’t report to all three of these credit bureaus can keep you from achieving this goal. If your credit card doesn’t report to all of the major bureaus, its usefulness will be rather limited. For example, let’s say you have a credit card that reports only to Experian, and you’ve built up your score and established great credit history. When you apply for a new line of credit from another lender who checks your credit score from Equifax or Transunion, it will be as if you have no credit history at all. RELATED: Cards reporting Credit Explained