If you are reading this, you probably already know the importance of getting your hands on your free annual credit report and checking it at least annually, but you might be asking yourself, where do credit reports come from and who keeps track of this stuff? etc. If so, you’re not alone.

Fortunately, this is quite easy to explain. Currently, there are three major credit bureaus, all from the private sector (non-government operated) who keeps track of the credit history of everyone that has a social security number or have any sort of credit history. These companies are Experian, TransUnion, and Equifax.

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