. Your Credit Report will figure prominently in any of those scenarios. It is one of the main tools employed by creditors to make decisions on whether to grant credit. Your Credit Report is construed by creditors as an indicator of your financial trustworthiness.

Information presented on this page has been compiled from three Credit Bureaus and other authoritative sources for purposes of study and ready reference. All excerpts are are fully cited and presented in accord with fair use . Readers are advised to visit the respective sites for additional information and updates.

In the United States , there are three major Credit Bureaus that gather demographics and consumer credit histories, maintain data repositories, and sell this information to lenders and consumers: