It depends on what part of the country you live in. For the most part, each of the three reporting agencies is more accurate relative to consumers who live in the specific region where the reporting bureau is located. TransUnion is based in Pennsylvania and is more accurate reporting for customer who live in the eastern part of the U.S. as west as Ohio, Michigan, Illnois and Indiana. Experian is located in California and is more accurate with regarding to credit reports for consumer west of the Mississippi. Finally, Equifax, the largest of the three bureaus, is located in Atlanta and reports most accurately on the south: Kentucky, the Carolinas and south of there, east of Texas. While all three bureaus report on all consumers, the service closest to the consumer's location will be the most accurate.