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credit bureau

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credit bureau

–noun
a firm that investigates the creditworthiness of and assigns a credit rating to a client's customers or potential customers.
Also called credit agency.
Dictionary.com Unabridged
Based on the Random House Dictionary, © Random House, Inc. 2009.
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credit bureau  
n.  An organization to which business firms apply for credit information on prospective customers.
The American Heritage® Dictionary of the English Language, Fourth Edition
Copyright © 2009 by Houghton Mifflin Company.
Published by Houghton Mifflin Company. All rights reserved.
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Financial Dictionary

Credit Bureau

An agency that researches and collects individual credit information and sells it for a fee to creditors so they can make a decision on granting loans. Typical clients include banks, mortgage lenders, credit card companies and other financing companies. Also commonly referred to as consumer reporting agency or credit reporting agency.

Investopedia Commentary

A credit bureau doesn't decide whether an individual qualifies for credit or not. It only collects information that it considers relevant to a person's credit history and habits.
The three main credit bureaus in the United States are Equifax, Experian and Trans Union.

Related Links

The Importance of Your Credit Rating
Identity Theft: How To Avoid It
Identity Theft: What To Do If It Happens

See also: Credit, Credit Report, Creditor, Line of Credit, Mortgage

Investopedia.com. Copyright © 1999-2005 - All rights reserved. Owned and Operated by Investopedia Inc.
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Legal Dictionary

Main Entry: credit bu·reau
Function: noun
: a private business that compiles information on consumers' creditworthiness and provides this information to lenders
Merriam-Webster's Dictionary of Law, © 1996 Merriam-Webster, Inc.
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