Yes, the three major credit bureaus Equifax, Experian and TransUnion. It is important to understand that the credit bureau file is just over. In short, they keep records of who is to give you credit, how much you have in the end, and gives you time to pay back. The three companies are listed, so that the sole purpose of corporate profits.
Credit bureaus according to law, you have no power. Do not run the bank, the police or its government, then theDo not be intimidated by them. However, since the information in a lot of money on the computer and its stored information is simple, there are a lot of mistakes. Public Interest Research Group estimates that more than three-quarters of the quarterly credit reports contain errors. Worst of all, their results, 29% of people have serious error, which denied credit than the statistical results. Since the office in the past so many mistakes, all of the federal lawCredit data are very of all ages.
Credit bureaus or rating agencies are not in the loan business, so they are not very concerned about your details are correct or not. You get paid to save data, and to pay the company's report, at your request.
Know your rights, the Fair Credit Reporting Act (FCRA) allows you to deny that you find each item is inaccurate, misleading or in your credit report could not be verified right. FederalThe overall purpose of saving is accurate, fair and confidentiality of information every "consumer reporting agency" (CRA) file. Take a look at your credit report for the list, as they say. This is your claims issues, these allegations and free of any investigation.
You can ensure that the Federal Trade Commission's website a more detailed check your rights:
http://www.ftc.gov/
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