: Bureaus use different versions of FICO or VantageScore models.
: If you find an error at one bureau, you must contact that specific agency to correct it.
: The percentage of available credit you are currently using.
: You are entitled to a free report from each bureau once a year via AnnualCreditReport.com.
: Tools like CRIF or similar services help track changes across your reports.
The United States has three primary credit reporting agencies that collect data on consumers: