Credit Repair Glossary
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Credit Reporting Agency
Commonly known as credit bureaus, credit reporting agencies are companies that receive, maintain, and provide information about consumers’ credit history. In the United States, there are three major credit bureaus that dominate the industry. They are: Equifax, Experian, and TransUnion. There are many smaller agencies, but almost all of them get information from one or more of the three major agencies. These credit reporting agencies are governed by a number of Federal laws, including the Fair Credit Reporting Act.
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“I didn't realize that there are other types of credit bureaus, including one that only deals with your checking account history. The credit bureau is "ChexSystems" and they need to comply with the same rules as regular credit bureaus. I was happy to find out that I could get my ChexSystems record cleared up!”Read More