Can ' t speak from personal experience but I would assume that they would pull all 3 for a mortgage or other large loan . I base this off of scoremortgagelendersuse 75991 . htmlYou could ask someone with more experience but I imagine that they would pull all the bureaus for a loan and wouldn ' t like the late payment vs . a credit card where they would probably pull 1 or maybe 2 bureau ' s and be content with that . So in short it wouldn ' t look good to have a late payment on 1 and not on the other 2 . It ' s much better to have Navient just tell the bureau ' s to remove it . Let ' s cross the what happens if Navient won ' t ask bureau ' s to remove it bridge when it comes to that . Until then , keep callingwriting Navient .