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.
This information is generally assembled into a mechanistic, numerical formula that offers an assessment of the credit history of the individual in question for the use of the credit bureau's clients. In the United States, credit bureaus are called consumer reporting agencies (CRAs).