I now hear there are FOUR major credit bureaus, what's the fourth?

Question

I only know of Experian, Equifax, and TransUnion.

Answer 1

The one that you are refering to is Innovis. While it's not as large as EX, TU and EQ, it is still used by many lenders.

There are also quite a few lesser known credit reporting agencies scattered around.

And then there is Lexis Nexis, though they "claim" they aren't a credit reporting agency (uh huh, sure).
They fit the Orwell's "big brother" image.
(not only do they keep track of a persons credit profiles, but if a person wanted to find out who they shared their pudding with in the third grade, L/N probably has it listed)

Answer 2

Those are the three major credit bureaus in the US.

Answer 3

There are only 3. Why would we need a fourth.
L/N is great. I use it all the time. Public records are great.