Credit Knowledge
Experian, Equifax, TransUnion are the three major credit bureaus in the United States. Each bureau collects information on your accounts and payment habits from individual creditors. Some creditors report information to all three credit bureaus, while others may only report to one bureau. So, your credit files at each bureau often contain different information. It's important to check your credit files at all three bureaus regularly to ensure that all the information contained in them is accurate. Checking your own credit report can not hur your credit score. Personal inquiries are not included in your credit report and therefore are not part of your credit score. So when you check your own credit report, you will not be hurting your credit score. An employer can not get a copy of your credit report without your permission. A prospective employer can only get a copy of your credit report if you give your permission. The Fair Credit Reporting Act restricts access to...