There are three credit reporting agencies in the US: TransUnion, Experian and Equifax and while they do not make the decision as to whether people are given credit or not they have an important role within the credit industry. All three gather and store information that relates to a person’s credit history.
An individual credit report might include, for example, information about the conduct of loan accounts held, whether payments have been made on time or missed. It is also likely to include details of bankruptcies, civil judgments and tax liens.
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