Credit Bureaus: Why They Matter & Your Rights
Update: 2025-11-21
Description
Discover the role of credit bureaus in your financial life: Equifax, Experian, and TransUnion collect debt and payment data to create credit reports, influencing loan approvals and interest rates. The Fair Credit Reporting Act ensures accuracy and privacy, granting you rights like free credit reports and removal of negative information after seven years. Recent FTC action against TransUnion underscores the importance of these consumer protections.
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