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Credit bureau. A credit bureau is a data collection agency that gathers account information from various creditors and provides that information to a consumer reporting agency in the United States, a credit reference agency in the United Kingdom, a credit reporting body in Australia, a credit information company (CIC) in India, a Special ...
Credit score A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual. [1] A credit score is primarily based on a credit report, information typically sourced from credit bureaus. [2]
TransUnion also markets credit reports and other credit and fraud-protection products directly to consumers. Like all credit reporting agencies, the company is required by U.S. law to provide consumers with one free credit report every year. [8] Additionally a growing segment of TransUnion's business is its business offerings that use advanced big data, particularly its deep AI-TLOxp product. [9]
Each credit bureau assigns consumer credit scores based on the information they receive from creditors. This means a consumer could have a different FICO score from each of the credit bureaus.
Credit history. A credit history is a record of a borrower's responsible repayment of debts. [1] A credit report is a record of the borrower's credit history from a number of sources, including banks, credit card companies, collection agencies, and governments. [2] A borrower's credit score is the result of a mathematical algorithm applied to a ...
Credit score in the United States. A credit score is a number that provides a comparative estimate of an individual's creditworthiness based on an analysis of their credit report. [1] It is an inexpensive and main alternative to other forms of consumer loan underwriting. Lenders, such as banks and credit card companies, use credit scores to ...
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