There are two ways you can look at this. 1. Oh Well they are only reporting to one CRA, not a high priority. I'll take care of the CA's reporting to all 3 first. 2. Excellent! They haven't reported to the all three CRA's, I will negotiate and close this deal before they report to the other 2! I highly recommend option 2. In my case, CA had reported to 1 CRA and it sat idle like that for about 6 months. Last month they reported to the other 2.