Credit Bureau and Secondary Agencies

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One of the three major credit bureaus that tracks your credit history, payment behavior, and public records to generate credit reports used by lenders and financial institutions.

Collects and maintains credit data including credit inquiries, accounts, and debt usage to assess your creditworthiness for personal and business lending decisions.

Provides credit reporting and scoring based on your financial behavior and is often used by banks, credit card companies, and mortgage lenders to evaluate risk.

A Secondary reporting agency that compiles public records such as bankruptcies, evictions, court cases, and insurance claims often used for background checks and underwriting decisions.

MicroBilt is a consumer and business alternative credit reporting agency that offers data on non-traditional financial activity, including short-term loans, utility payments, and rental history. 

A banking reporting agency that tracks your history with checking and savings accounts, flagging issues like overdrafts, unpaid fees, and account closures — commonly used by banks when opening new accounts.