Hay fever, or allergic rhinitis, is a common condition with symptoms similar to those of a cold. There may be sneezing, congestion, runny nose, and sinus pressure. It is caused by an allergic response to airborne substances, such as pollen.
The three major credit-reporting bureausâExperian, TransUnion and Equifaxâcollect credit information about consumers. To assist in the gathering of this information, businesses can report consumer activity to these bureaus, which let consumers request a copy of their credit report.
Credit reports are created and maintained by the three major credit bureaus â Equifax, Experian and TransUnion â which collect individual's credit information, then sell it to lenders such as credit card companies and banks. That means you have three credit reports, although they should contain the same information.