The 3 major credit bureaus in the US are Equifax, TransUnion, and Experian. Deferit reports all Pay in 4 payments to Equifax and Experian. We also report all Pay in 1 payments to Experian to boost your score. We are working on partnering with TransUnion in order to offer coverage across all 3 major bureaus and we are working on partnering with all bureaus for the Credit Boost feature for Pay in 1 payments.