Your credit report is a record of your credit history. If you’re wondering how information gets on your credit report, it’s simple. Every month, lenders submit updates about your credit profile to one or more of the three credit reporting agencies.
Not all lenders send info to all three companies, therefore not everyone will have the same credit information on you. Lenders send in their updates at different times of the month, so that could have an effect on your score as well.