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The three major credit bureaus are Equifax (www.equifax.com), Experian (www.experian.com), and TransUnion (www.transunion.com). Essentially, they are clearinghouses of consumer credit information. The reports that credit bureaus compile include information supplied by both consumers (e.g., information contained in a credit application) and the creditors with whom they do business. Creditors regularly provide information to credit bureaus about the debt repayment practices of consumers to whom they have lent money. Other information comes from public records. Lenders are not required to report information to all three credit bureaus. Thus, the three bureaus have somewhat different information and they report it in different ways.

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