Contact Information For All of The Credit Bureaus How Do I Contact the Credit Bureaus? Credit bureaus, or credit reporting agencies, are companies that collect and maintain consumer credit information then resell it to other businesses in the form of a credit report.

Credit does not refer only to a credit card. The term credit is used to describe an individual's financial dependability. How trusting a creditor is toward you depends on your credit worthiness.

Repair Bad Credit Fast The majority of individuals are unaware of the extent to which a bad credit history affects their ability to borrow.

Legitimate Credit Repair Services Credit repair can be a difficult and confusing process. Legal credit repair services do not engage in making false promises, suggesting illegal practices, or skirting the rules governing legal credit repair services as contained in laws, Acts and rules such as the those defined by the Credit Repair Organizations Act.

NFCU offers free FICO scores. Mine is 807 out of 850. Two of the problems listed: Too few accounts currently paid as agreed.