National credit reporting agencies
The three major national credit reporting agencies compile and keep your credit report.
Your credit report is your personal credit payment history. Lenders use it to decide whether to lend you money and at what interest rate.
Credit reporting agencies (also called credit bureaus) compile this information from credit card issuers, mortgage holders, banks, and even retail stores that offer credit for purchases.
Your credit report shows your address, Social Security number, date of birth, how much you borrowed through credit cards or any other types of loans including student loans, and whether or not you repay your debts on time.
You can request a copy of your credit report from these agencies:
EquifaxInformation Service Center P.O. Box 740241 Atlanta, GA 30374-0241(800) 685-1111 Experian National Consumer Assistance CenterP.O. Box 949Allen, TX 75013-0949(888) 397-3742 TransUnionConsumer RelationsP.O. Box 1000 Chester, PA 19022 (800) 916-8800