Equifax, Experian and TransUnion are the nation’s three major credit reporting agencies.

Equifax, Experian and TransUnion are the nation’s three major credit reporting agencies.

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Equifax, Experian and TransUnion are the nation’s three major credit reporting agencies, also called credit bureaus.

They keep track of consumer and corporate spending and repayment history. The bureaus were established to protect creditors. Prior to their existence, a consumer could default on a financial obligation and simply shift over to obtain financing from an unsuspecting creditor who had no way to know that the consumer was a credit risk.

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