Answer:
Option D is correct answer.
Explanation:
The three most common credit reporting agencies are : Experian, Equifax, and TransUnion
FICO is a credit scoring company that creates credit scores of a person by looking at his file from the three major credit reporting bureaus – Experian, Equifax, and TransUnion.
The credit reporting bureaus are the agencies that collect information about a person's credit and financial history. Further this information is used to allot a person credit scores and these scores help a person to get loans in the future.
If a person has a positive credit score he gets loans easily. Negative scores create problems in getting loans.