Your payment history makes a big difference with the credit bureau.

您的付款历史对信用局有很大影响。

Every year, you can get a free report from each of the credit bureaus.

每年，您都可以从每个信用机构获得免费报告。

Also, get a free credit report from each of the credit bureaus every year.

此外，每年从每个信用局获得免费的信用报告。

You also won't be reported to the credit bureaus, placed in default or reported to debt collection agencies.

您也不会被报告给信用局、被拖欠债务或被报告给收债机构。

Hackers also tore into Equifax, one of the largest credit bureaus, stealing the personal information of more than 145 million people.

黑客还侵入了最大的信用局之一Equifax，窃取了超过1.45亿人的个人信息。

They use one of the credit bureaus, one of the credit companies, to see whether you are a good person to loan money to.

他们使用信用局之一， 信用公司之一，看看你是否是贷款的好人。

Most credit card companies use one of those three credit bureaus to decide whether they're going to give you a credit card or not.

大多数信用卡公司使用这三个信用局之一来决定他们是否要给你一张信用卡。

Then that may be your answer. Your payment history makes a big difference with the credit bureau. If you’ve missed payments or been late, that’s a big strike against you.

可能就是这个问题了。你的支付历史对信用评定机构有很大影响。如果你未支付或延时支付，对你来说是一个很大的打击。

The three credit bureaus — Experian, Equifax, and TransUnion — collect data from lenders, creditors, and other financial entities to create a " story" of you and your credit history called a credit report.

三家信用报告机构——益博睿、艾可飞和环联——从贷方、债权人和其他金融实体收集数据，创建一个关于你和你的信用史的“故事”，称为信用报告。