Credit Bureaus: How Do They Get My Information?

If you have never applied for credit, your first application for credit will probably get things started. The creditor processing your application will give identifying information about you (name, address, and Social Security number) to the credit bureau and ask for your credit file. If you don’t have any credit, the credit bureau will tell […] Read more »

What’s in Your Tri Merge Credit Report?

Credit reports are also referred to as credit files, credit histories, bureau files, or sometimes, credit ratings. Credit bureaus are sometimes called credit rating agencies David Mooney at Equifax says that technically consumers don’t have credit ratings. He’s right. But sometimes when I’m referring to how your credit report may look to lenders, the words “credit report” […] Read more »