How is ACRA different from the “big three” credit bureaus – Equifax, Experian, and TransUnion?
ACRA is the only credit bureau that allows people to enroll themselves. It’s also the only bureau that lets individuals demonstrate their fiscal responsibility with information that is not reported to the “big three,” such as on-time rental payments and non-debt bill payments. ACRA produces a ACRA Reportsm and Bill Payment Scoresm (BPSsm) that can be used to supplement your “big three” credit bureau reports and scores (if you have one of them). A ACRA Report and BPS can show that you have paid your bills on time for up to the past three years. ACRA maintains your bill payment history in your file for seven years but does not share your file without your permission. Unlike other credit bureaus, ACRA does not charge you a fee to view your ACRA information at any time, nor does ACRA sell your private personal information to solicitors, telemarketers, or direct mail firms.
