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Title : Understanding Credit Bureaus
link : Understanding Credit Bureaus

Understanding Credit Bureaus

If you are considering filing for bankruptcy because of your current level of dept or because of your financial status, there are many things that you may need to take into consideration. You also need to know who is going to hold your credit score. Understanding how the US credit bureau operates will help you in the overall process.

In the US, there are many different credit bureaus' that exist all over the US that hold quite a lot of credit information. A credit bureau is defined as a company that holds credit information on many different consumers all across the US. These companies use a range of different sources from all over the country in order to gather as much credit report information about the consumers as possible. These credit bureaus put together all of the information that they receive into a file that is your complete credit history. Currently, there are three main credit bureaus, which are Equifax, Transunion, and Experian (TRW), that have a monopoly over the credit bureau industry in the US.

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