Credit Bureau — Reports

Keep in mind that because creditors may report to only one or two bureaus, your information can differ slightly between them.

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

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

: Your name, Social Security number, birthdate, and current/previous addresses.

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. Keep in mind that because creditors may report

Learn about your credit report and how to get a copy | USAGov

Demystifying Your Credit Report: Why It’s the Foundation of Your Financial Life They simply sell your report and a calculated

: A detailed list of your credit cards, mortgages, and student loans, including when they were opened and your repayment history.