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(You are on our U.S. page.) Canadian residents click here Credit Reports for Canada Residents  for Canada Credit Reports. UK residents click here for Credit Reports for UK Residents for British Credit Reports.

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If you find errors in your credit report, here is a form to dispute credit report inaccuracies.

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What is a credit bureau?

A credit bureau is a company that gathers information about loans and other debts, and whether you've paid them back as agreed.

Who can see credit information?

Credit bureaus have subscribers who pay to see your credit report. A subscriber must have a permissible purpose, such as deciding  whether or not to grant you a loan.

Who else can see my credit report?

Employers, landlords, people  collecting debts, and companies intending to offer you credit are also credit bureau subscribers, and they can see it under certain conditions.  By law, you have a right to see your own credit report, too.

Can I tell who's checking on me?

Yes. Your credit report tells who has seen it recently.  If you applied for a loan, you'll probably see that the lender made an inquiry, and the date.  If you applied for a job, the employer may have checked your credit. (But only you can tell. It is hidden from other employers and lenders.)

Where does the credit bureau get my information?

The data comes from their subscribers, mostly. For example, credit card companies provide monthly updates to the bureaus, with the latest balances, address changes, credit limit changes, etc., of their cardholders. Credit bureaus also gather public records: court judgments, liens, foreclosures, evictions, etc.

Who are the credit bureaus.

In the U.S. we have Equifax, Experian (formerly TRW) and Trans Union: three separate companies that gather your information separately, so differences in their credit reports often exist. Many local bureaus exist, but they are affiliated with one or the other of the "big three," in most cases. 

What if my credit report has inaccuracies?

You can get them corrected.  The first step is to see your credit report.  Here's how to contact Experian, how to contact Equifax, and how to contact TransUnion if you find a credit report error.