Credit bureaus are companies that collect credit and financial information about individuals and corporations and assign a credit rating based on that information.  They in turn, sell that information to legally authorized companies who request that information.

There are three main credit bureaus in the United States that handle credit reports and ratings for individuals: Experian, TransUnion, and Equifax.  Contrary to popular belief, these companies are FOR profit and have NO GOVERNMENT AFFILIATION, and therefore, have NO legal power over you, the individual consumer.  They simply store your credit information in computers and calculate your credit rating based on that stored information.  And due to the meticulous nature of storing all that data, these companies often make mistakes and errors.  Thats where we come in - we'll help you contact these companies and have them remove any incorrect data.