Credit bureaus collect and maintain records on your credit accounts, balances and the payments you make. The three major credit bureaus are Equifax, Experian and TransUnion. Each credit bureau ...

Allowing lenders to base mortgage decisions on single- or double-pull credit reporting would result in more risk to banks, and higher costs for borrowers, writes Dan Smith. Imagine applying for a ...

Exactly 30 years ago, Fannie Mae and Freddie Mac adopted credit reports and their scores from FICO as a basis for mortgage credit decisions (approval or denial) and risk-based loan pricing. That FICO ...