Credit Reporting bureau, also referred as credit reporting agency, is responsible for collecting credit information about individual or businesses from various lenders or financial institutions. And then based on information calculating the credit score and generating the reports. Some popular around the world are Experian, Equifax etc.
Major issues raised with credit reporting systems, particularly in US, include a lack of transparency into credit scoring systems for consumers, errors in reports, significant data breaches and overall security of infrastructures.
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