3 — Major Credit Bureaus

: Typical reports include personal identification, payment history, credit limits, current balances, and public records like bankruptcies or judgments.

: Each bureau uses this data to generate credit scores—most commonly FICO or VantageScore—to help lenders make billions of annual credit decisions. Key Differences Between Bureaus 3 major credit bureaus

While their functions are similar, each bureau is an independent entity: What is a Credit Bureau and What Do They Do? - Equifax : Typical reports include personal identification