Do the bureaus make credit decisions?
Lenders make credit decisions, not credit bureaus. Each lender has its own formula for evaluating a credit application and only the lender can tell you why it made a decision. The role of the credit bureau is to supply the lender with the contents of the report for review when making credit decisions. Many times, the decision does not rely on your bureau records alone, but instead is based on factors like your income, length of residence, or employment.
