That"s easy. Once you have "credit" and start making monthly payments on those particular "loans" , it is automatically reported to the 3 bureau"s. If your not ready for a major credit card (absolutely responsible), then start out with a gas card or a cell phone ect ect. The interest will kill you but ( make sure you pay off the monthly balence)that will report to the"companies" and get you started.
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ANSWER That is correct. If the creditor is not reporting to the major bureaus there is no report... good or bad.
According to the FDIC (Federal Deposit Insurance Corporation), the three major credit bureaus are Equifax, Experian, and TransUnion. They may be contacted for questions regarding credit score, credit report, fraud, etc.
Three of the major business credit-reporting bureaus are Experian, Equifax and Dun & Bradstreet. The business must first establish an account with one of the bureaus and transfer information to that service. This process can help businesses establish credit.
Online Credit Reports are extremely accurate if they are obtained from on of the 3 major credit reporting bureaus. Be careful that you don't get scammed by checking your report through a company that is not affiliated with the 3 Credit Bureaus.
Absolutly - they must by law do so. All you need to do is request a copy of your credit report from the three major credit bureaus, and contact information will be provided for each creditor.