: One of the largest globally, it maintains records for over 245 million U.S. consumers.

: How much you currently owe on various accounts. The "Big Three" and Beyond

Beyond these, specialty agencies may track your tenant history, employment background, or utility payment records. How They Impact Your Financial Life

Credit reporting companies don't actually decide whether you get a loan; they provide the "report card" lenders use to make that choice. What is a credit reporting company?