by Ray Lam Credit reporting agencies maintain electronic records of your credit activities. Today, there are three major national credit bureaus: Equifax, Experian and Trans Union. If you are planning on applying for a loan or credit anytime in the near future, itâs a good idea to obtain a copy of your credit report. There are three nationwide consumer reporting agencies, which compile the credit reports. These can also be purchased form any of these three agencies, or any other company, that