Credit Reporting Agencies
Credit reporting agencies are companies that collect and maintain information on the credit histories and creditworthiness of consumers. Credit reporting agencies, also known as credit bureaus or credit reference agencies, use this information to create credit reports and credit scores, which are used by lenders, landlords, and other organizations to assess the credit risk of potential customers. Continue Reading Below
Encyclopedia Articles
Discover the definition of financial terms related to credit reporting agencies.
What Is Credit Utilization? How It Affects Your Credit Score and How to Lower It
Andrew Latham
What Is a Credit Builder Loan?
Allison Martin
Exploring FACTA: What It Is, Key Provisions and Why It Matters
SuperMoney Team
Trade Lines: How They Work, Types, and Examples
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Debt Purchasers: Who are they and what do they do?
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Nonaccrual Loans: Definition, Examples, and Implications
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Beacon Score: Definition, Evolution, and Real-World Impact
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Credit Reports: What They Are, How to Use Them, and Their Impact on Your Finances
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Account Inquiries: Definition, Impact, and Examples
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Learn About Credit Reporting Agencies
How Long Do Collections Stay on Your Credit Report?
Andrew Latham
How Long Does a Charge-Off Stay on Your Credit Report?
Andrew Latham
What Happens If You Don't Pay Medical Bills?
Andrew Latham
How to Remove CBSI Collections from Your Report, 2026
Silas Bamigbola
Get American Recovery Service Inc. Off Your Credit Report
Silas Bamigbola
Clearing American Profit Recovery from Your Credit Record
Silas Bamigbola
Payday Loan Alternatives: Can They Help Improve Your Credit Score?
Andrew Latham
Ultimate List Of Credit Card Decline Codes (2026 Update)
Jamela Adam
How to Change the Name on Your Credit Card
Lacey Stark
Which Credit Score Matters More: TransUnion or Equifax?
Lacey Stark
How To Remove Closed Accounts From Your Credit Report
Lacey Stark
What Credit Score Do You Start With?
Lacey Stark
How To Remove a Charge-Off Without Paying
Jamela Adam
How To Find Out If Someone Opened a Credit Card In My Name
Lacey Stark
How to Self Report to Credit Bureaus
Jamela Adam
Is Bad Credit Better Than No Credit?
Jamela Adam