Equifax® 3-Bureau credit scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian® and TransUnion® credit files. Third parties use many different types of credit scores and will not use the Equifax 3-Bureau credit scores to assess your creditworthiness.
Credit bureaus, also called credit reporting agencies (CRAs), are companies that collect and maintain consumer credit information. They then resell it to other businesses in the form of a consumer's credit report.
The three major consumer credit bureaus are Equifax, Experian and TransUnion. A credit bureau is a company that gathers and stores various types of information about you and your financial accounts and history. They draw on this information to create your credit reports and credit scores. These three big credit bureaus are often grouped together.
Each of the three credit bureaus is required to provide you with a copy of your credit report at no cost. You have this right once every 12 months through Equifax, Experian, and TransUnion. The credit bureaus have made the process relatively simple, creating an online platform to obtain your annual credit report for free.
Why are my FICO ® Scores different for the 3 credit bureaus?. In the U.S., there are three national credit bureaus (Equifax, Experian and TransUnion) that compete to capture, update and store credit histories on most U.S. consumers.
Sam Diephuis/Getty Images. The three credit bureaus are Equifax, Experian and TransUnion, and they collect information about you, the consumer. This includes where you live, your job, your payment ...
Do you want to contact one of the big three credit reporting agencies?The information on this page regarding Experian, Equifax and TransUnion may change, but is current as of August 2017.There are a number of reasons why you would need to contact one of the credit bureaus directly — from ordering credit reports to filing credit disputes — so we have included here numerous ways you can ...
Lenders go to the three main credit bureaus: Experian, TransUnion and Equifax — when looking to pull and review your credit reports. There are numerous CRAs in the business besides these three credit reporting agencies. Still, there’s a lot of confusion when it comes to what the major credit bureaus actually do.
TransUnion's exclusive TU Credit Lock puts control of your TransUnion Credit Report at your fingertips. Lock your TransUnion Credit Report to prevent criminals from using it to get credit in your name. Unlock it when you need to apply for credit.
A credit report shows your bill payment history, current debt, and other financial info. Companies and lenders use your credit report to calculate your credit score—a number usually between 300 and 850. The higher your score, the lower your interest rate may be for a loan or credit card. Learn three ways to improve your credit report and score: