The three major credit bureaus in the United States are:
- Equifax
- Experian
- TransUnion
These credit bureaus collect and compile information about consumers' credit histories, which they use to create credit reports. These reports are then used by lenders, employers, landlords, and others to assess creditworthiness and financial reliability. Each bureau operates independently, so the information and credit scores they provide can vary slightly
. They are private companies regulated under the Fair Credit Reporting Act (FCRA) and play a critical role in lending decisions such as credit card approvals, loans, and mortgages
