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Credit Bureau

A credit bureau is a company that collects and distributes credit history information. Companies that extend credit to individuals provide the credit bureau with factual information on how their clients pay their bills, the number of credit accounts they possess, the balance of those accounts, payment habits, and the length and place of their employment. Credit bureaus regularly assemble this information, along with public record information from courthouses around the country, into a file on each consumer. The three main credit bureaus are Experian, Equifax and TransUnion.

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