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The biggest credit scoring agency is the Fair Isaac Corporation (FICO), which supplies credit scores for most of the lending industry.

With a little bit of research, it’s easy to keep track of your credit without ever needing a credit card.When checking your credit online, it’s important to note which bureau supplied the credit report and score information.Getting reports from each consumer reporting agency will give you a complete picture of your credit.In consumer credit, the three most important credit bureaus are Equifax, Experian, and Trans Union, and you have a different and unique credit report for each credit bureau.Depending on the reporting behavior of your creditors, the information on your credit reports may vary by bureau.

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