Not even the most optimistic observer of Presidentâs Ronald Reaganâs 1987 Berlin speech calling on Soviet General Secretary Mikhail Gorbachev to âtear down this wallâ would have imagined that two years later the communist regimes of Eastern Europe would collapse like dominoes.
You are entitled to order (every 12 months) a free copy of your credit report from each of the major credit reporting agencies (Equifax, Experian, and TransUnion) through AnnualCreditReport.com. This website is the only one that is government authorized to provide you with free copies of your credit report.
The three bureaus use the information they collect to assemble credit reports. Each bureau gathers information separately, however, and when you order a report from one bureau, you get only the data it has collected. What appears on an Equifax report, for example, might not appear on a TransUnion or Experian report. Separate pulling services sell consolidated credit reports that combine information from all three bureaus. It's on these combined reports that you'll see abbreviations such as BQ1, BX1 and BU1.