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Of the three main credit bureaus (Equifax, Experian, and TransUnion), none is considered better than the others. A lender may rely on a report from one bureau or all three bureaus to make its decisions about approving a loan.
AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law. You can verify this is the official site by visiting the CFPBs website. Dont be fooled by look-alike sites.
There are three big nationwide providers of consumer reports: Equifax, TransUnion, and Experian. Their reports contain information about your payment history, how much credit you have and use, and other inquiries and information.
Most U.S. consumer credit information is collected and kept by the four national traditional consumer reporting agencies: Experian (formerly TRW Information Systems Services and the CCN Group), Equifax, TransUnion, and Innovis (which was purchased from First Data Corporation in 1999 by CBC Companies).
How Many Credit Reporting Agencies Are There? Youre probably familiar with the three main credit reporting agencies: Experian, Equifax, and TransUnion. Did you know there are actually six agencies? The additional four agencies are PRBC, SageStream, Advanced Resolution Service (ARS), and Innovis.

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To get the free credit report authorized by law, go to AnnualCreditReport.com or call (877) 322-8228.
The 609 dispute letter is often referred to as the legal loophole, or the credit repair secret and can be useful in different situations. Apart from correcting your credit report, the 609 letter could be what you need to respond to a debt collection lawsuit.
Is Innovis a Real Credit Bureau? Yes, Innovis is a real credit reporting agency. While most people have heard of the three large credit bureaus, TransUnion, Experian, and Equifax. There are many other credit reporting agencies out there.

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