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Credit Reporting Agencies. All of this information is combined together in a credit report. A CRA will then sell your credit report to creditors, employers, insurers, and others. These companies will use these reports to make decisions about extending credit, jobs, and insurance policies to you.
Once the major credit reporting agencies have collected all the information, compiled your credit history, and generated a credit report, they sell that information back to the lenders, so they, in turn, can determine your creditworthiness. Based on your credit report and credit score, lenders can decide whether or not to lend you money.
Reporting agencies compile data about your credit history. In the United States, there are three major credit bureaus: Equifax, Experian, and TransUnion. When creditors and lenders check your credit, they'll very likely to check your credit with one or all three of these credit bureaus.
The three nationwide credit reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report. To order, visit annualcreditreport.com, call 1-877-322-8228. Or complete the Annual Credit Report Request Form and mail it to:...
The Fair Credit Reporting Act (FCRA) is a federal law that provides directions and limits on how credit reporting companies disclose credit report information. FCRA also has provisions regulating users of consumer reports and furnishers of information to credit reporting companies.
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FREE Credit Reports. Federal law allows you to: Get a free copy of your credit report every 12 months from each credit reporting company. Ensure that the information on all of your credit reports is correct and up to date.