The three major credit bureaus in the United States are Equifax, Experian, and TransUnion. These are private companies that collect and sell credit information on individual consumers to lenders and others. They compile credit reports on individuals, which they sell to prospective lenders and others. By law, you can get a free credit report each year from the three credit reporting agencies. It is important to review your Experian, Equifax, and TransUnion credit reports because the information in each of your credit reports from the three credit bureaus can be different. Checking each of your three credit reports gives you a comprehensive view so that you can easily identify differences that could affect your credit score.