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Find out how credit reporting agencies gather information and create your credit
report, and how lenders use this report to make decisions.
The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit
reporting companies — Equifax, Experian, and TransUnion — to provide you with
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your Equifax credit report plus a clear analysis and explanation.
This page describes how credit scores are used and the companies that provide
your credit report.