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The major national credit bureaus, including Equifax, Experian, and TransUnion, have an imperative role in the financial landscape of collecting and maintaining large volumes of consumer credit information. These credit bureaus collect information from several sources, including lenders, creditors, and public records, and use it to formulate credit reports for individual persons. Such credit reports are utilized by lenders, landlords, employers, and others in assessing creditworthiness and making informed decisions. As major players in the credit industry, these bureaus make a significant impact on consumers' lives; thus, consumers should know what is in their credit reports and correct any inaccuracies or discrepancies as soon as possible.

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