Equifax, TransUnion, and Experian Credit Reports

Equifax, TransUnion and Experian all provide you access to your free credit score reports. Does it really matter if you get a credit report just from one bureau? Maybe you don’t even know who the credit bureaus are. Here is a little background about each that spit out the life altering three digit credit score..



Equifax credit report history
Equifax Inc is a consumer credit reporting agency in the United States. Equifax is considered one of the three credit reporting agencies along with TransUnion and Experian. Founded in 1899, Equifax is the oldest of the three credit bureaus, and holds credit records totaling around 400 million worldwide. Equifax is based in Atlanta, Georgia and is a global service provider with $1.5 Billion in revenue along with 5000 employees in 14 countries.





TransUnion Credit Report History
TransUnion was created in 1968 by Union Tank Car Company as their holding company. Its credit business began with the purchase of Credit Bureau of Cook County (CBCC) in 1969. Trans Union was built from acquisitions of major city credit bureaus, with service agreements with local owners of bureaus which were not for sale. Today it operates 250 offices in the U.S. and in 24 other countries. It is based in Chicago, Illinois.
TransUnion was a subsidiary of The Marmon Group until January 2005. It is now an independent, privately held company.

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Experian Credit Reporting History
Experian is formerly known as CCN Systems. Experian is considered one of the three big credit bureaus along with Equifax and TransUnion. TransUnion is global credit information group, with operations in 36 countries.
Experian was founded in 1980 in Dublin Ireland and employees 15,500 people worldwide.

Since all three of the credit bureaus provide the same information it really does matter where you pull your credit report, as long as they provide you with a 3-1 credit report from all three credit bureaus. Your credit scores will always be different with each credit bureau. The reason for this is each creditor that reports your credit history may not report to all 3 bureaus. Plus the three credit bureaus all use their own credit scoring software. So with this being said, it is important to pull a copy of your free credit score report with all three credit bureaus. You can get a copy of your 3-1 credit report with each of the credit bureaus. If you just pull a credit report with one bureau, and it’s not a 3-1 credit report, then you are missing critical information from the other two agencies. So make sure you get your 3-1 credit report with all 3 credit scores.

About the Author: Mike Clover is the owner of http://www.creditscorequick.com/. CreditScoreQuick.com is the one of the most unique on-line resources for free credit score report, fico score, free credit check, identity theft protection, secured credit cards, student credit cards , credit cards, mortgage loans, auto loans, insurance and a BlOG with a wealth of personal credit information. The information within this website is written by professionals that know about credit, and what determines ones credit worthiness