Samira: There are three credit bureaus: Equifax, Experian, and Transunion. Those are the three that handle the collection of credit data about you. They’re competitors. It’s like saying Toyota, Ford, and Chevrolet.
Josh: What differentiates them?
Samira: Size.
Josh: Oh, really?
Samira: That’s all. Their difference in size, and different systems in how to collect data.
Josh: Okay.