Bureau Reports - Credit

Demystifying Your Credit Report: Why It’s the Foundation of Your Financial Life

Think of your credit report as a financial resume. Just as a resume shows employers your work history, your credit report shows lenders how you’ve handled borrowed money in the past. credit bureau reports

: Your name, Social Security number, birthdate, and current/previous addresses. Demystifying Your Credit Report: Why It’s the Foundation

: A log of every time a lender has checked your credit in the last two years. The "Big Three" Gatekeepers Social Security number

They simply sell your report and a calculated score to creditors who use that data to judge your risk.

In the U.S., three major national credit bureaus—, Equifax , and TransUnion —collect and organize this data. They don't make lending decisions themselves.