TransUnion - www.transunion.com - Like the latter two, TransUnion offers products and support services for credit monitoring, provides fraud-prevention education and help, and free credit card report disclosures. As well, you can subscribe to the newsletter, to stay updated and get helpful credit tips; can find much information on preventing fraud or resuscitating your credit if you have been a victim of fraud; and can dispute credit card items you suspect or know to be false.

In the same respect, the 3 major credit bureaus do factor into most of our lives - if we have ever purchased a home, a car, or other major item or if we use credit cards.