Talk:Credit bureau

Separation of uses

This page separates out consumer debt rating organizations from credit rating agencies, which rate corporate and sovereign debt. While theoretically similar in that both types of organizations try to assess the likelihood that a debtor will repay a loan, they are substantially different in how they operate and who they rate. (Epstein's Mother 20:24, 25 April 2006 (UTC))

Major global bureaus / Lesser bureaus?

Either a bureaux id global, or it is not. There are no criteria offered to define lesser / greater (size? scope of service? who knows?). Unless someone can suggest a reason for this division, I propose merging. Heenan73 (talk) 10:39, 16 October 2008 (UTC)

U.S. vs Rest of World

Much of the introduction is specific to the US - it even says "In the US...". I propose to move the affected paras to the section entitled "United States" - unless ther's a reason why not? Heenan73 (talk) 10:44, 16 October 2008 (UTC)

Credit Bureau is not synonymous with Credit Reporting Agency

All over the U.S.,credit bureaus are actually collection agencies that transmit data to the credit reporting agencies (Experian, Equifax and Trans Union). There are hundreds of credit bureaus around the globe. Experian, Equifax and Trans Union are credit reporting agencies as defined by the Fair Credit Reporting Act (FCRA § 603. Definitions; rules of construction [15 U.S.C. § 1681a]). Consumer attorneys have attempted to make credit bureau and credit reporting agency synonymous in order to capitalize on suits against collection agencies, claiming their name is misleading to the least sophisticated consumer and a Fair Debt Collection Practices Act (FDCPA) violation. But they have been unsuccessful, creating landmark cases to support the above. — Preceding unsigned comment added by 162.234.128.246 (talk) 20:21, 17 December 2015 (UTC)

(removed duplicate copy of this section, with some cleanup Fabrickator (talk) 00:51, 1 October 2020 (UTC))

Controversy Section needs Professional Rewriting

There is too much bias in this section, bordering on conspiracy theory. The writing style is very unprofessional. There are legitimate issues being discussed but the manner in which it's being handled is not encyclopedic in nature. — Preceding unsigned comment added by 108.64.225.67 (talk) 13:45, 2 June 2016 (UTC)

UK Credit Reference Agencies are no longer allowed to charge a fee for report access

I don't know enough about the new rules to edit the document, but I know that recent legislation in the UK abolished the £2 fee, and all CRAs in the UK are now obliged to provide a copy of the report free of charge on request. Can someone with more knowledge than I update the article? If not I'll do some research and update it myself at some point. 86.185.41.105 (talk) 23:04, 3 January 2019 (UTC)

Free means free

Ok 2603:9001:3B05:702F:CD87:81E4:6A11:489D (talk) 23:50, 4 March 2022 (UTC)