This article discusses the 3 major credit bureaus the operate today. Some of us have no business writing about the three major credit bureaus, and some of us have no need for all that is involved in the 3 major credit bureaus. When we shop for autos or houses or even appliances or electrical or computer equipment, and we want to finance the items (get them on a loan to own or credit basis), the ones doing the financing will run a credit check with one of the 3 major credit bureaus.