The 3 Bureaus
Most lending institutions will check your credit
history before giving you a loan. They do this by subscribing to
a Credit Bureau's services. A credit bureau compiles its information
through each.
Three Major Credit Bureaus in America:
There are also some smaller local bureaus. Credit bureaus do not all contain the same information, nor is any one credit bureau likely to have ALL the credit history of any one particular consumer. In all probability, there is some kind of credit information for every consumer in the United States.
Most banks, savings and loans, finance companies, credit card
companies, and even some retail stores, employers, and apartment
complexes will use a credit bureau's service- so they can be more
aware of the financial risk they will be taking by extending the
consumer credit. They are the same ones who report back to the credit
bureau if that risk failed. Most lenders only run one credit check with one bureau.
In the event that they decide to run more than one, it is most likely that they are not satisfied with the results.
More details and information regarding the three major bureaus
are available online in "The Way to Good
Credit" Guide. We also include charts and graphs to help
you create the budget that meets your lifestyle.
Having trouble getting a 
Studies have proven that nearly half of all credit files contain at least one error.
The United States Government was forced to pass many laws under the Fair Credit Reporting Act that were designed to protect your rights as a consumer. Our Lawyers know how to use these laws to your advantage in order to help you get an Excellent Credit Rating. When you join our service we will use our 4 step program to work with the creditors and the credit agencies to help you get an accurate credit report.