Transunion, Experian, and others - but you can flood them with false information and they will record it and keep it forever
I don't know why any company relies on data from the big credit reporting agencies.
I pulled my credit reports for the first time just a couple of months ago, and they were all wildly different from each other, and also wildly inaccurate, each in its own way.
There was nothing bad in my report, fortunately. But just the information was so wrong. One agency had my work history all the way back to 1995, but for some reason was missing any of the jobs I had between about 1997 and 2003. One had my residency history back to 1977, but was missing the place I lived just three years ago. None of them were 100% right in any category, but always in my favor. And none of them really had a complete list of my currently open credit accounts.
One thing they all fail at is addresses. If you have a simple address like 123 Main Street, Anywhere, USA, then it's fine. But as soon as you break from that pattern by having an apartment number, or a street name with more than one word, or a street suffix other than "street" or "drive," or a directional, or a city that is commonly abbreviated (St. Paul versus Saint Paul), it all comes apart.
One place I lived had a simple address like "1234 Some Place Drive, Apartment 123B," and two of the agencies mangled it into "123 Some 12." I know addresses are hard, but both the Postal Service and Google have an API for this stuff.
I don't know why any company relies on data from the big credit reporting agencies.
I pulled my credit reports for the first time just a couple of months ago, and they were all wildly different from each other, and also wildly inaccurate, each in its own way.
There was nothing bad in my report, fortunately. But just the information was so wrong. One agency had my work history all the way back to 1995, but for some reason was missing any of the jobs I had between about 1997 and 2003. One had my residency history back to 1977, but was missing the place I lived just three years ago. None of them were 100% right in any category, but always in my favor. And none of them really had a complete list of my currently open credit accounts.
One thing they all fail at is addresses. If you have a simple address like 123 Main Street, Anywhere, USA, then it's fine. But as soon as you break from that pattern by having an apartment number, or a street name with more than one word, or a street suffix other than "street" or "drive," or a directional, or a city that is commonly abbreviated (St. Paul versus Saint Paul), it all comes apart.
One place I lived had a simple address like "1234 Some Place Drive, Apartment 123B," and two of the agencies mangled it into "123 Some 12." I know addresses are hard, but both the Postal Service and Google have an API for this stuff.