The Process of Updating Your Credit File

Together, the three major credit reporting agencies— Equifax, Experian and TransUnion—house more than 600,000,000 credit files. That’s a mind-boggling number of loans, collections, public records and inquiries being maintained at any time by the credit reporting industry players. But how does all of that information get to the credit bureaus? The answer may surprise you.

How Credit Reports are Reported



Credit Sesame is a free online personal finance tool that gives consumers an easy way to monitor and manage their credit and loans all in one place and save money on debt. It provides consumers with free access to their credit score, analysis, advice and tools to take control of their finances, unlock their credit potential and borrow smarter.


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