Where Your Credit Data Comes From & Who Calculates Your Credit Score

Highlights:

• Banks, credit card companies, mortgage and auto lenders, debt collectors, some landlords and other companies you have a relationship with send credit and account data to nationwide consumer reporting agencies like Equifax^®.
• The nationwide credit reporting agencies receive, compile and standardize the data provided by these companies. This information becomes the basis of your credit report.
• The information on your credit report is used to calculate your credit scores.