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.
There are three different major credit reporting agencies â the Experian credit bureau, TransUnionÂ® and EquifaxÂ® â that maintain a record of your credit history known as your credit report. Your FICOÂ® Score is based on the information in your credit report at the time it is requested.