3 Major Credit Agency

Merged "3-in-1" Credit Reports

These three credit reporting agencies work with each other and with other companies to provide various types of 3-in-1 reports.

These merged reports show items from each of the three bureaus. Each company provides a little different version of a merged report. Some provide a one-time merged report while other companies provide a view of your report as it changes over time.

The best thing to do is to look at several sites and their offers and determine the best "deal" that satisfies your needs.

Credit Report Scores - Who Determines Them?

There are three major credit reporting agencies: , , and .

Each of these credit reporting agencies receives information from credit grantors such as credit card companies, stores granting credit, mortgage companies, and banks. They compile your credit history and compute your credit report scores.

They provide your history and credit report scores to others who have a genuine interest in your credit worthiness.

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