but primarily only three of them really matter, equifax, transunion, and experian. - and you used tofor equifax? - yes sir, i did. these credit bureaus each maintain well over 200 million credit files, and here's the critical part larry, they do not share credit information with each other, they're competitors. so rarely are your credit reports going to be the same. - what if someone in the audience doesn't know what's on their credit reports? aren't they essentially flying blind? - yeah, no, that's absolutely well said. they are flying blind and our viewers need to know what's on their credit reports, larry, and there are a lot of services out there that unfortunately will take your money to provide that service, that are gonna want to charge you for your credit reports. do not fall for it, every year you're entitled to your free credit reports. just go to the website annualcreditreport.com. - folks write this down, knowledge is power. find out in black and white what's on your credit report. it's the first major step to making a big change for the better. - larry, you nailed it, an