Trusted Sources for Accessing Your Credit Reports

Credit bureaus, also known as credit reporting agencies (CRAs), are organizations dedicated to collecting and preserving consumers' credit data. The three primary CRAs operating nationally are Equifax, Experian, and TransUnion. Smaller agencies also exist, focusing on specific niches. If you're wondering, "Where can I check my credit score?" the big three CRAs are your most dependable options.

These agencies gather information from lenders and creditors with whom you do business, tracking your repayment history, outstanding debts, and any defaults. They also compile data from public records like tax filings and bankruptcy cases, which influence your credit rating.

Equifax operates in 24 countries, providing identity theft protection and credit monitoring services for consumers and businesses. Experian, originating in London, now serves 39 nations, offering credit scores, reports, and subscription-based credit tracking, utilizing the FICO 8 scoring system. Recognized as one of Forbes’ "Most Innovative Companies" in 2018, Experian is highly reputable. TransUnion, active in 30 countries with over a billion consumer records, provides credit reports and scores, and offers credit freeze notifications across agencies. For your annual free credit report, these three agencies are reliable sources; for frequent updates, subscription services are available.

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