Which are the three nationwide credit reporting agencies covered by FACT Act provisions for free annual credit reports?

• A. Equifax, Experian, and FICO
• B. TransUnion, Experian, and FICO
• C. Equifax, Experian, and TransUnion
• D. Equifax, TransUnion, and FICO

Answer: (C)

The key idea is identifying the three nationwide credit reporting agencies that FACT Act provisions cover for free annual credit reports. Under the act, the major consumer reporting agencies that maintain nationwide credit files must provide free annual reports upon request. Those three agencies are Equifax, Experian, and TransUnion. FICO, while well-known for credit scoring, is not a credit reporting agency, so including it in the trio is incorrect. The other options either replace one of the actual agencies with FICO or omit an actual agency, which is why the correct trio is Equifax, Experian, and TransUnion.