Credit Score Bureaus May 2026

In the United States, there are three primary national credit bureaus:

Credit bureaus (also known as credit reporting agencies) are private companies that collect and manage consumer financial data to generate credit reports. These reports are used by lenders, landlords, and even employers to assess an individual’s or business's creditworthiness. The "Big Three" Consumer Bureaus credit score bureaus

: The third major national agency; like the others, it maintains records on hundreds of millions of consumers. How They Operate In the United States, there are three primary