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The 3 Credit Bureaus Work the Same Way ... FICO scores are a popular way to measure credit scores — the system assigns you a three-digit number that indicates your ability to pay back loans ...
AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion.The site was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act (FACTA) [1] to provide a mechanism for American consumers to receive up to three free credit reports per year.
Based in Chicago, Illinois, TransUnion's 2014 revenue was US$1.3 billion. [6] It is the smallest of the three largest credit agencies, along with Experian and Equifax (known as the "Big Three"). [7] TransUnion also markets credit reports and other credit and fraud-protection products
It does not include your credit score. [2] Their reports are most often used for pre-screened marketing offers. [2] Their services are also used by cell phone service providers. [2] Innovis also collects non-traditional credit information like rent payments, magazine subscriptions and utility bills. [10]
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