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Common Questions

What is a Credit Bureau?

A Credit Bureau is the most common type of CRA. The three largest bureaus (and the ones that all creditors deal with) are Experian, Equifax, and TransUnion. The vast majority of consumer reports are generated from these three bureaus. The "Big Three" are also affiliated with thousands of smaller CRAs.

Credit Bureaus = Big Business. A common misconception held by the general public is that credit bureaus are sectors of the government. This is absolutely false! Credit bureaus are nothing more than businesses that collect and sell information about consumers. Each time someone orders a copy of your credit report, including yourself, the bureaus make money. The average rate is about $8.00/copy. With the credit industry as big as it is, millions of copies of credit reports are distributed each day which results in huge profits for the bureaus.

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