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Experian: One of three leading providers of personal and business credit information.

FACT Act (Fair And Accurate Credit Transactions Act): Designed to help consumers check their credit reports for accuracy and detect identity theft early, the FACT Act gives every consumer the right to request a free report from each of the thre . . . View Full Definition

Credit Report: This is a report which is generated by a credit reporting agency (such as Trans Union, Experion or Equifax). It is supposed to show accurately the history of your on-time and late payments o . . . View Full Definition

Credit Bureau: The three major credit bureaus — Equifax, Experian, and TransUnion — collect information about the way you use credit and make it available to anyone with a legitimate business need to see i . . . View Full Definition