Is there any credit information in America?

The United States has a credit information system, and the United States is one of the most perfect countries in the world. The credit information system in the United States is divided into public credit information system and private credit information system, in which the public credit information system is operated by the government and the private credit information system is operated by private enterprises.

The public credit information system is operated by the government, mainly including TransUnion, Equifax and Experian, which collects and shares personal credit information, including credit records, repayment ability and repayment willingness. Private credit information system is operated by private enterprises, mainly involving credit information of mortgage loans, auto loans, credit cards and other businesses.

In the United States, the credit information system is very important for personal credit score, which directly affects personal application for loans and credit cards. So it is very important to maintain a good credit record and credit score in the United States.