What is the most common type of credit reporting agency?

In the United States there are three agencies that collect consumer information and provide your credit report to businesses. These are Experian, Equifax, and TransUnion. If you have been denied credit you are entitled to receive your credit report for free. Also certain states have a law that they must supply you with one free report per year if you are a resident of that state. It is a good idea to check your credit report at least once a year to be sure that the information is correct and that there are no unauthorized accounts in your name. Identity theft is the fastest growing financial crime in America. Often consumers are not even aware that they are victims until they have a credit application denied.