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Credit Bureaus (aka credit agency & credit company) are Equifax, Experian (aka TRW) and Trans Union.  Each bureau maintains a credit file made to them by banks, mortgage lenders, and credit card companies.  The credit files in each bureau may be different because the bureaus do not share information.   Typically, auto and mortgage lenders will order credit reports from all three bureaus to get your complete credit history.The three bureau report contains credit reports from all three bureaus. Credit Scores (aka FICO Score, credit rating) are used by lenders to predict the likelihood of successful repayment and to set interest rates. 
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Copyright 2001 SurfCrawler. All rights reserved. Note-Experian was formerly TRW
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