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Importance Of Free Online Credit Report There are three major agencies which have been selected by the government to credit check for free Houston avail the service of free online credit report once every year. The three major agencies are the Experian, Equifax and Trans Union. freecreditreport These three agencies help is taken by the financial institutions like the lender, banks and even these days the employers too are taking the help of these agencies before they recruit an employee for their organization.