Credit bureaus are organizations that collect your financial information from various banks and financial institutions to prepare your credit report.  Each and every one of these institutions has its own definite set of patterns and methods to calculate the credit score. However, there is a definite set of rules that these bureaus follow to execute their operations. Therefore, they can only gather and process your information. Under no circumstances do they have the authority to change or delete your credit score record. That being said, some complications may arise that change your report. These include; incorrect personal information like name, mobile number or PAN number, incorrect loan accounts mentioned, incorrect no-payment record, incorrect payment record, etc. If such a case arises, you can get it resolved by contacting the concerned authorities.