Credit Information Protection and The Equifax Data Breach What are Credit Reporting Agencies? In the United States, in order to apply for a loan, a new job, to qualify for a credit card, etc., the prospective company that you are going to do business with will run a credit report on you. They do this to essentially see your financial history/background and to see if you qualify for their product/service. Credit Reporting Agencies are the sources for this information, they hav