![]() What are the 3 major credit reporting agencies? While most of the larger creditors relay your credit information to all three credit bureaus, smaller creditors may only relay their information to one.Ĭredit bureaus also source their information from debt collectors and public reports, like bankruptcies, liens, or court records. This may be a bank or retailer with which you have a credit account or a loan company you’ve borrowed from in the past.Ĭreditors are not legally required to report information to all three of the major credit reporting agencies, which is why your credit information may vary from report to report. First, creditors report your credit information to credit bureaus. Where do credit bureaus get their information?Ĭredit bureaus source their information from a number of different sources.
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