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Credit Reporting Agencies. A credit reporting agency (CRA) is a company that collects information about where you live and work, how you pay your bills, whether or not you have been sued, arrested, or filed for bankruptcy. All of this information is combined together in a credit report.
Once the major credit reporting agencies have collected all the information, compiled your credit history, and generated a credit report, they sell that information back to the lenders, so they, in turn, can determine your creditworthiness.
There are three different major credit reporting agencies — the Experian credit bureau, TransUnion ® and Equifax ® — that maintain a record of your credit history known as your credit report. Your FICO Score is based on the information in your credit report at the time it is requested.
Credit bureaus, also called credit reporting agencies, are companies that collect and maintain consumer credit information then resell it to other businesses in the form of a credit report. In the United States, there are three major credit bureaus: Equifax, Experian, and TransUnion.
The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.
4 LIST OF CONSUMER REPORTING COMPANIES . Introduction . Below is a list of consumer reporting companies updated for 2018. 1. Consumer reporting companies collect information and provide reports to other companies about you. These companies use these reports to inform decisions about providing you with credit, employment,
Frequently asked questions. Get quick answers to common questions regarding consumer credit reports and scores. From filing a dispute, to detecting fraud, to learning about your score, find it in these FAQs.
FREE Credit Reports. Federal law allows you to: Get a free copy of your credit report every 12 months from each credit reporting company. Ensure that the information on all of your credit reports is correct and up to date.