A credit reporting agency keeps records of your credit history and profile. The information that a credit reporting agency collects is used often by lenders when you want to apply for a loan. The data the credit report agency records may even be used by other third party agents such as an employer or a landlord to determine how responsible you are in your management of resources. Thus it is important to know your own credit profile with each of these credit report companies because the data they collect could affect you tremendously.

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There are many credit reporting agencies in the country. Often their referred to as credit bureaus or credit report companies. There's three main credit bureaus in the U.S.: Equifax, Experian and Transunion. These credit report companies offer a wide selection of credit products for consumers to use to view and better understand their credit profiles. Each credit bureau collects and organizes credit information concerning individuals. With the information gathered, each credit bureau is able to present helpful products and services such as credit reports, scores and credit monitoring to consumers. Each of these credit report companies are more or less the same. You can get your credit reports from the three main credit bureaus for free with an easy and quick sign up. Be sure that you're getting your credit report from one of these three credit report companies.

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