: The third major national agency; like the others, it maintains records on hundreds of millions of consumers. How They Operate
: Bureaus do not decide whether you get a loan; they simply provide the data lenders use to make that decision.
: Each bureau may have slightly different information about you because some creditors only report to one or two agencies.
For business owners, separate agencies track company credit performance on a 0–100 scale: What is a Credit Score? | AMEX UK
: They often partner with companies like FICO or use their own models (like VantageScore) to turn report data into a 3-digit score, typically ranging from 300 to 850. Business Credit Bureaus
