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In this day and age, we expect that all information related to credit is reported to the credit reporting agencies. However, this is not always the case. On occasion, a lender won't report your information. There is nothing in the law that says that your information has to be reported to the credit bureaus. Some banks and credit unions may choose not to provide information or if they do, they may not provide it to all three. There are many reasons that they may choose not to share your credit history and part of it may be that they do not have the manpower or technical capabilities to do this.