The United States relies on several nationwide repositories that collect and maintain consumer credit data from lenders and service providers. These organizations assemble histories of accounts, payment activity, and public records, which lenders review during applications. When evaluating quiz answers, remember that only a small number of firms have this national reporting role, while many others provide financial services, identity tools, or niche analytics. Distinguishing between true nationwide reporting agencies and unrelated brands is helpful for accuracy. Knowing who maintains your file also simplifies disputes, monitoring, and proactive credit management for future goals.