Credit Bureaus

Major Credit Reporting Agencies That Control Your Credit Reports

Credit reporting agencies or credit reporting bureau that manage historical credit information about individuals and their businesses. The information that they receive is compiled into a credit report. This report shows the credit score that helps potential employees rate their credibility. Usually, the credit score is measured by Vantage Score and it’s the most modern way of calculating the credit score. It uses letters instead of numbers to calculate the credit score. Credit reporting has done its job for a century but with time local agencies were transformed into three main categories named Central US, Experian the West and Equifax.


Experian is one of the biggest names in credit reporting agencies. It’s an Irish based multinational agency. It maintains more than 235 billion individuals and businesses. The company is based in Ireland with its offices in three major countries named as United States, the United Kingdom, and Brazil with 17000 employees. The company creates analytics based on the information collected from the users. This report can be used to predict whether to continue giving mortgages or not etc. The company provides free credit reports to US persons once in a year. Whenever a person buys a new car take a loan or purchase a house. He or she has to undergo a credit check. This credit check is very important. It proves a person’s financial condition to the seller. This check is in a form of credit report and these reports are generated by big names like Experian.


TransUnion is another name in the Big three credit reporting agencies. A US-domiciled agency based in Illinois and has more than one billion individuals in their community. Like all other credit reporting companies, this company also provides a FREE credit report to its users once in a year. The cost of getting TransUnion is 9.95$ but it cost also depends on the area where you live.


Equifax, with more than one 800 million individuals it is another name in big three. Like other companies, it also provides demographic analytics, sells credit statistics and fraud prevention gigs to its customers. The company takes credit information and then creates analytics that shows the changes of a person to pay back loans and mortgages.

Big credit companies like Chase sapphire, Citi double cash and Discover it uses services of Equifax. Equifax has a good score of 760-850 and good score rating of 660 to 724.


Summarizing all the above credit reporting agencies take useful credit information from its users and create a credit report and this report is extremely important for the business owner in checking the financial health of a person while he/she is purchasing mortgages, renting a house or maybe purchasing a car. Three big names control all the credit reports and among them, two big are Experian and Equifax. Besides creating report these companies also provide credit monitoring and fraud prevention services.


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