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U R @: Learning Center : Credit Repair FAQ : Who are credit bureaus, and what do they do? WHO ARE CREDIT BUREAUS, AND WHAT DO THEY DO? Answer: There are three national credit bureaus, Equifax, Experian, and Trans Union, who collect and store credit information on approximately 200 million consumers. Over 90% of the information is supplied by credit grantors on a monthly basis to the bureaus. In addition, the bureaus collect and maintain public record information, as well as information from smaller manual contributors. Your credit history contains information that creditors use to evaluate and determine your ability and willingness to repay credit. Typically, credit bureaus give the following information: Your open accounts, credit limits, current balances, number of late payments, collection actions, tax liens, and whether you own your own home or not. Read more related articles: Credit Repair FAQ
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