Final answer:
The four main credit reporting agencies are Equifax, Experian, TransUnion, and Beacon. Beacon is a credit scoring model developed by Equifax.
Step-by-step explanation:
The four main credit reporting agencies are Equifax, Experian, TransUnion, and Beacon. Beacon is not one of the main credit reporting agencies; it is a credit scoring model developed by Equifax. The correct answer to the question is A) Equifax.