Which of the following companies report consumer credit information?

The correct answer highlights the two major credit reporting agencies, Equifax and Experian, which play a pivotal role in collecting and reporting consumer credit information. These companies gather data from lenders and creditors regarding individuals’ credit histories, payment behaviors, and outstanding debts, which they then use to create credit reports. These reports are essential for lenders to evaluate the creditworthiness of individuals when they apply for loans, credit cards, or mortgages.

Equifax and Experian are well established in the industry, alongside TransUnion, as primary sources of consumer credit data. They ensure that the information provided to potential creditors is accurate and up-to-date, helping consumers manage their credit profiles effectively.

The other options include combinations of entities such as Fair-Isaac, known for creating credit scoring models (like FICO scores), and TRW, which was historically a credit reporting agency but is now part of Experian. Including these less relevant or outdated entities, does not correctly represent the current landscape of companies dedicated to reporting consumer credit information. Thus, Equifax and Experian remain the most relevant and accurate choice.