Why all three credit bureaus need your payment history

http://bkhelpnow.com/wordpress/2012/10/10/why-all-three-credit-bureaus-need-your-payment-history/

Dear Opening Credits, For 30 years prior to 2011, my wife and I paid off two mortgages though our local savings bank. Since that bank only reports to one credit bureau, our FICO score is low, even though we never missed a payment. Living in a new large city and trying to get a VA refinance, we are constantly frustrated with having a too-low FICO score (since the high and low are thrown out) and having an insufficient mortgage history with two of the credit bureaus. I have tried to talk to the two credit bureaus that were not reported to. They are deaf to this injustice, saying that the old savings bank we used would have to join their credit bureau for a report to be accepted. What do we do?

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