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Welcome to Credit Focus! Here you will learn all about credit and what it means to you. Each individual's credit profile is maintained by 3 major agencies. These agencies manage the credit history of most Americans. We hope this website helps you learn more about how this system works and how you can best use it to your advantage. Who keeps your credit history? There are three major companies that are in the business of collecting and distributing credit histories on all Americans. If you're an average American, it is very likely that all three companies keep your credit history. They are competitors, which means that each company has a different version of your information. This makes it necessary to obtain reports from all three companies--to make sure that none of them has erraneous information in their files. Did you know that the most powerful
financial tool available is your credit report? It's a fact. Most people have never seen a copy of their credit report. They walk out of banks and financing companies scratching their heads wondering why their application was turned down, again. How does this happen? Take any four individuals, pull their credit reports, and at least one will have errors in their report. Now you understand why Joe Blow was turned down for a low interest loan. Maybe he's never missed a payment and has a long and established credit history, but he still can't get a good rate on his mortgage. Most likely, there is inaccurate information on his credit report. That is why it is important for everyone who is serious about their finances to obtain a copy of their credit report. The Big Three National Credit Reporting Agencies Are:
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