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The 3 Credit Bureaus!
There are three major credit bureaus that track your credit. Each one is independent of the other and you will often see that there are some major differences between your three credit reports. In the U.S. the three agencies are Equifax, Trans Union and Experian.
What is a Credit Risk Score?
A credit risk score is a statistical summary of the information contained in a consumer's credit report. The most well known type of credit risk score is the Fair, Isaac or FICO score. Sophisticated mathematical processes calculate the score by assigning numerical values to various pieces of information in the credit report. Credit bureaus provide risk scores to credit grantors who use them to objectively evaluate an applicant's credit-worthiness. The score itself is relative and will be viewed differently by creditors depending on numerous factors, including the creditor's risk level, marketing goals, and business practices. Your risk score will change over time as your credit history develops.