Which of the following is NOT one of the three major credit bureaus?

The correct answer is based on an understanding of the major players in the credit reporting industry. The three primary credit bureaus are Equifax, TransUnion, and Experian, all of which collect and maintain consumer credit information, generate credit reports, and provide credit scores.

Credit One, on the other hand, is not a credit bureau but a financial services company that issues credit cards. It does not have the role of collecting credit information or generating credit scores. Therefore, identifying Credit One as not part of the major credit bureaus aligns with the knowledge of how credit reporting agencies operate and who they are.

Recognizing the difference between these entities is crucial as it helps consumers understand where their credit information is sourced and which companies they can engage with when seeking to better understand or increase their credit scores.