When it comes to your credit, there are three big names you should know: Equifax, Experian, and TransUnion. These nationwide credit bureaus gather the details of your debt and assemble them into documents known as your credit reports. Any time you apply for a new credit card or loan, the creditor will pull a report from one or more of these bureaus to determine if you qualify, and at what interest rate. As a financial educator and former NFCC-certified credit counselor, I've learned that many people are ...