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What are the three credit bureaus in the United States?

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Quick Answer

The three credit bureaus in the United States are Equifax, Experian and TransUnion, notes USA.gov. Each of the credit reporting agencies creates a credit report based on a wide array of information, including your residence and employment, history of paying bills, legal disputes, and whether you have ever declared bankruptcy.

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Full Answer

Creditors, employers and insurers use credit reports for multiple decision-making purposes, such as deciding whether to extend credit, approve loans or issue insurance policies and for employment hiring, explains USA.gov. Everyone can receive a free credit from each of the credit reporting agencies every 12 months by requesting it online from AnnualCreditReport.com or the individual credit reporting agencies.

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