A Credit reference agency (credit reporting agency in the USA) is an organisation that collects and collates personal financial data on individuals, from financial institutions with which they have a relationship. The data are aggregated and the resulting information is made available on request to contributing companies for the purposes of credit assessment and credit scoring. A credit score is a numerical index which represents an estimate of an individuals financial creditworthiness. ...
United Kindom
In the UK the two main credit reference agencies are Experian and Equifax. A third agency, CallCredit, was established in 2001. Experian is a business information company. ... Equifax, Inc. ... 2001: A Space Odyssey. ...
United States
In the United States the legal term under the Federal Fair Credit Reporting Act (FCRA) is "consumer reporting agency" (CRA). This is also sometimes referred to as a "credit bureau".
Most credit history information is collected and kept by the three national credit bureaus, Experian (which purchased the files and other assets of TRW), Equifax, and TransUnion. These organizations are for-profit entities and posess no governmental affiliation. Experian handles its credit disputes in its "National Consumer Assistance Center" (NCAC) in Allen, Texas. It has its headquarters in Costa Mesa, California. Equifax subcontracts out most of its consumer relations. Telephone disputes or requests are diverted to a Canadian company/vendor named ICT. Mail disputes or requests sent to its Georgia post office boxes are opened by another vendor, Innasource, scanned to a computer file and then electronically sent to a subcontract vendor either in Montego Bay, Jamaica, or in the Phillipines. Equifax is based in Atlanta. Trans Union handles its own disputes (currently). It does so either in Pennsylvania or in California. Trans Union is based in Chicago. Experian is a business information company. ... TRW Incorporated was an American corporation involved in a number of businesses, mostly defense-related, but including automotive supply and credit reporting. ... Equifax, Inc. ... TransUnion (full name Trans Union LLC) is one of the big three credit reporting agencies in the United States. ...
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You're still entitled to a free creditreport if: you've been denied a loan, insurance policy or job based on your creditreport; you're applying for unemployment or receive public assistance; or you currently reside in a state that already offers one or more annual free creditreports.
It is not the same as a credit score, which takes the information contained in a creditreport and distills it into a three-digit number.
Credit scores are not included in the creditreport, and must be purchased from the credit bureaus or from Fair, Isaac Corp., the company that produces the widely used FICO score.
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