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Source for credit cards
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Consumer Reporting Agency In the United States, the business of amassing, holding, and distributing consumer credit histories is performed by entities known as consumer reporting agencies. (Use of the term "credit bureau" to describe such entities is incorrect.) The three major consumer reporting agencies currently operating in the United States are Equifax, Experian, and Trans Union. Each of these consumer reporting agencies employs different mathematical methods by which they arrive at a credit score for the individual consumer. The information in a consumer's credit report must be disclosed to them upon their request and the information is to be collected and used only for the purpose of credit evaluation by qualified agencies that have a "permissible purpose" for accessing the data. By law, negative information may not be kept in a consumer's credit report for an extensive period of time. Normally the time limit for retaining such information is seven years; ten for instances of bankruptcy. More Credit-Card Terms Explained |
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