These agencies are private companies—not government entities. They collect data from lenders, credit card issuers, and public records to create a "financial report card" for you. Credit Reporting Agencies and You | U.S. GAO
: Known for tools like Experian Boost , which allows users to instantly raise their scores by reporting utility and phone payments. credit check agencies
: One of the oldest bureaus, offering a range of services from personal credit reports to identity theft protection. credit card issuers