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Three credit reporting agencies collect your credit history. Learn about 3 credit bureaus and your rights under the FCRA. There are three major credit reporting agencies.
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Credit Reporting Agencies. Free Credit Reports. The amended Fair Credit Reporting Act permits consumers to request a free copy of their credit report once every 12 months from each of the three major credit reporting agencies (i.e., Equifax, Experian, Trans Union).
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Credit Bureaus are companies that house large databases of credit information. They then provide this information to financial institutions to assist with the decision-making process.