What role do the 3 credit bureaus play in your credit history and score?

The three major consumer credit bureaus are Equifax, Experian and TransUnion. A credit bureau is a company that gathers and stores various types of information about you and your financial accounts and history. It draws on this information to create your credit reports, which in turn form the basis for your credit scores.

Explanation:

Some back facts: Lenders report credit information to the credit bureaus at different times, often resulting in one agency having more up-to-date information than another. The credit bureaus may record, display or store the same information in different ways. This trio dominates the market for collecting, analyzing and disbursing information about consumers in the credit markets.

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