Credit Bureaus


Credit bureaus are companies that collect your credit information, and then resell it to businesses. This credit information is called your credit report. Though there are several credit reporting agencies (bureaus) most of us are familiar with the three most common ones:


These bureaus are all publicly-traded, for-profit companies who are not owned by the government. The government has legislation regarding how these and other credit bureaus should operate. This legislation is the Fair Credit Reporting Act.

Credit bureaus have communication and relations with banks, credit card issuers, and other businesses. The relationships that these credit bureaus have, make it possible for your account history to appear on one or all three of your credit reports with these bureaus.

Wondering what your credit score is may be haunting you. The truth is, you have a right to view your credit report, and you should view it, now.  You can order a free credit report from each of the three major credit bureaus each year through a few different websites. You may also purchase a credit report directly from any of the credit bureaus at any time. Equifax and Experian offer 3-bureau credit reports which include all three major credit reports in a single document.

It is really important to be properly informed, and aware of your credit history. will be with you every step of the way.

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