• Experian
  • Equifax
  • TransUnion


Quoted from http://www.ckfraud.org/credit.html

Your credit payment history is
recorded in a file known as a credit report or credit profile. These
credit reports are maintained and sold by credit reporting agencies
(CRAs), commonly known as credit bureaus, such as Equifax, TransUnion and Experian
(formerly TRW). If you have ever applied for a credit or charge
account, a personal loan, insurance, or a job, you would have a credit
record on file. Your credit record may contain information about your
debts and credit payment history. It also may indicate whether
judgments have been entered against you, or whether you have filed for
bankruptcy. Only credit grantors make credit decisions, not credit
reporting agencies.