Which of the following is NOT one of the three major credit reporting agencies?

The three major credit reporting agencies are Equifax, Experian, and TransUnion. These agencies play a critical role in collecting and maintaining consumer credit information, which is used by lenders to assess an individual's creditworthiness.

Innovis, while it does operate in the credit reporting industry, is not considered one of the three major agencies. It is known for providing credit reporting services but does not have the same level of prominence or consumer recognition as the three main agencies. This distinction highlights the foundational importance of Equifax, Experian, and TransUnion in the credit reporting landscape. Understanding the roles of these agencies is essential for managing credit and recognizing how credit scores can be affected.