If the company tells you that you can not contact the credit reporting agencies yourself.

如果该公司告诉你，你不能接触信用报告机构自己。

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You can request a copy of your credit report from the reporting agencies to check your information.

你可以请求你的信用报告副本，从你的资料，检查机关举报。

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Three of the major credit reporting agencies are introducing a new way of calculating credit scores.

NPR: Credit-Reporting Agencies Create New Scoring Format

You get one from each of three major credit reporting agencies: Experian, Equifax and TransUnion.

FORBES: How To Check And Improve Your Credit Score

There are three national credit reporting agencies in the U.S.: Equifax, Trans Union, and Experian.

FORBES: Manage Your Credit