There are three nationwide credit reporting agencies in the U.S.: Experian, TransUnion and Equifax. These are all for-profit businesses and are in no way owned by the federal government. The companies' sheer size, though, has made them widely accepted as the recognized American credit agencies by consumers and the federal government. The three companies have even established a trade organization called the Consumer Data Industry Association to establish reporting standards and lobby for their interests.
Experian
Experian, headquartered in Dublin, Ireland, employs approximately 15,000 people in 40 countries. The company maintains credit information on approximately 215 million U.S. consumers Besides from its place as one of the big three credit reporting agencies, the corporation also provides address information for more than 20 billion promotional mail pieces to more than 100 million households every year.
Experian
U.S. Headquarters
475 Anton Blvd.
Costa Mesa, CA 92626
714-830-7000
experian.com
TransUnion
TransUnion was founded in 1968 when the Union Tank Car Company, a railcar leasing operation, created the parent company and later purchased a credit reporting agency. It is headquartered in Chicago and holds credit histories on an estimated 500 million consumers across 25 countries. The corporation has also expanded into business-to-business and direct-to-consumer offerings.
Transunion Corporation
555 W Adams St Fl 6
Chicago, IL 60661-3719
312-258-1717
transunion.com
Equifax
Equifax, founded in 1899 as the Retail Credit Company, is headquartered in Atlanta. The company is the oldest of the three agencies. It holds information on more than 400 million credit holders across the globe. The corporation has had a strong focus on the business-to-business sector, but also sells businesses credit reports, demographic data and software.
Equifax
1550 Peachtree NE
Atlanta, GA 30309-8000
404-885-8000
equifax.com
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