Which national credit bureau is NOT mentioned in the text?

The correct answer is identified as the option that refers to Credit Karma. Unlike Experian, Equifax, and TransUnion, which are all established national credit bureaus that collect and maintain consumer credit information, Credit Karma operates differently. Credit Karma is not a credit bureau itself; instead, it is a financial technology company that provides consumers with access to their credit scores and credit monitoring services for free. It pulls data from the other credit bureaus and offers tools and insights to help consumers understand their credit health, but it does not collect or report credit data independently. Understanding the distinction between credit bureaus and companies like Credit Karma is essential for grasping the landscape of consumer credit reporting.