The big three companies keep a credit rating, also know as credit score which is extremely important factor in your ability to get loans. 
This score is viewable online so you can discover who has been checking your credit and why with all three credit report and scores.
If you ever went for a loan, you will know how important it is to determine how you are rated. The credit score assesses how good your credit is as a person or company. Your score is determined by a number of factors predetermined by the top three companies. They use a combination of the history of your finances, what you currently own and how much you currently owe to other companies. Banks always check this, as they should, when deciding if they will give you that $300,000 mortgage or not. If they don't think you will be able to complete monthly payments because of past ratings, they will politely decline your request.
A credit score applies to both individuals (Personal Rating) and to Corporations (Corporate Rating). Factors that will affect personal credit ratings are the person's ability to pay a loan, their interest, amount of credit used, saving patterns, spending patterns and current debt. A lot goes into making sure anyone loaning money has a proper way to assess your ability to pay that money back. With corporate ratings, they generally will be assigned by credit rating agencies who's main task is to assign all companies they review a rating.
Credit Score:
