The credit report is a compilation of your past and present credit obligations, as well as other pertinent personal information. The three main credit bureaus in the United States are Trans Union, Equifax, and Experian. All three report similar information.
The credit bureaus have customers, called subscribers, who review and rate your payment history and then transmit this information to the bureau. The subscribers include merchants/stores, banks, loan companies, other financial institutions, insurance companies, and, often, potential employers. Any time you apply for credit, the credit bureau is alerted.
The credit bureaus have customers, called subscribers, who review and rate your payment history and then transmit this information to the bureau. The subscribers include merchants/stores, banks, loan companies, other financial institutions, insurance companies, and, often, potential employers. Any time you apply for credit, the credit bureau is alerted.
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