A Consumer reporting agency is an agency or bureau which collects and sells information about the creditworthiness of individuals or businesses.

A credit reporting agency does not make any decisions about whether a specific person or business should be extended credit or not. Instead, it collects information that it considers relevant to a person's credit habits and history, and uses this information to assign a credit score to indicate how creditworthy a person is.

Prospective creditors purchase credit reports from credit bureaus about specific individuals or businesses, and then they use this information to decide how much credit, if any, to extend to the individual or business.

There are three Consumer reporting agencies that report your information, they are:

Equifax
800 685-1111
Get Your Equifax Credit Report Now!
P.O. Box 740241
Atlanta, Ga.
30374-0241

Experion
888 322 5583
http://www.experian.com
P.O. Box 2002
Allen, Texas 75013

Transunion
800 888-4213
http://www.transunion.com
P.O. Box 1000
Chester, Pa. 19022

Consumer reporting agencies are also know as credit reporting agencies.