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There are three main ones and about 15 others: Beware some of these are scams. Stick with the three main ones, companies that are are foolish enough to not you don't need to be having check your credit.

In the United States there are three main credit reporting bureaus. The major bureaus are for reportiong credit are Experian, Equifax and Transunion.

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2010-03-08 23:35:15
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Q: How many credit report agencies are there in the US?
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If you don't pay your credit card bill in the US can you be tracked to UK?

US based credit reporting agencies Experian, Transunion and Equifax operate in the UK. You bad credit rating in the US woul dbe visible to UK vendors who run a report on you through these agencies.

What are the three nationally approved credit reporting agencies?

The three major credit reporting agencies in the US are Equifax, Experian, and Transunion. Most credit information will be reported to all three agencies. However, sometimes information will be found on only one report.

If you're a non-American and leave the US for a few years and keep using your US-issued credit card abroad will your credit score come down since no US income is being reported to the credit agencies?

No, income isn't reported to the credit bureaus. Only credit history shows up on a credit report, so your credit score shouldn't be affected at all.

What services provide a free credit report?

Many companies, like freecreditreport, experian, and transunion offer a free credit report when you enroll in a credit tracking service. US citizens are entitled to one free credit report per year, which can be accessed by filling out the Annual Credit Report Request form.

If you have an unpaid credit card in another country what conditions must apply before they can they report the debt to your US credit report?

CRA's in the US, report the credit history of transactions made only in the US. Therefore credit history from another country would not show up on a report in the US. This does not prevent a prospective creditor from requiring confirmation of the person's previous credit history.

Can collection agencies sue you in Canada for your credit card bebts in us?


How do credit rating agencies get paid?

There is no such entity as a credit rating agency. Credit reporting agencies, as defined by the Fair Credit Reporting Act, as paid by their participants,(merchants, lenders and other credit grantors), who pay fees to both report to, and pull credit from, the CRA's. By law, CRA's can also currently charge a nominal fee to consumers for copies of their credit file. The FCRA was amended last year to allow consumers one free credit report per year. But, the bureaus received relief from this provision. Free credit reports will be "rolled out" by sections starting with the western US as of Dec 1, 2004. March 1, 2005 for the Midwest US June 1, 2005 for the Southern US September 1, 2005 for the Eastern US and Territorities

How do I request my free annual credit report? is the only authorized site to receive your free credit report under US law.

Can you transfer your credit ratings from Australia to the United States?

some banks will use the foreign credit report to base their loan decission. But you can not transfer that to an US based credit report.

If you have old debt from another country and a collection agency in the US is trying to collect can they report the debt on your US credit report?

It is possible.

Where can one find a credit reference agency in the US?

Research has shown that there are three main credit reference agencies in the US. These are Equifax, Experion and Callcredit. One can find information regarding these agencies on the Money Saving Expert website.

Can you get your credit report for free with experian credit report?

Just go to annualcreditreport. This is a service of all 3 major credit bureaus, due to the US FACT act.Other websites may also offer special promotions in which you can receive a free copy of your credit report.

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