3 Major Credit Bureaus -

While their functions are similar, each bureau is an independent entity: What is a Credit Bureau and What Do They Do? - Equifax

: They receive and compile billions of data points monthly from lenders, including credit card issuers, banks, and mortgage companies. 3 major credit bureaus

: Each bureau uses this data to generate credit scores—most commonly FICO or VantageScore—to help lenders make billions of annual credit decisions. Key Differences Between Bureaus While their functions are similar, each bureau is

: Typical reports include personal identification, payment history, credit limits, current balances, and public records like bankruptcies or judgments. While their functions are similar