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Hi it's Mark Albert. I really appreciate you being with me today. Today we're going tolook at the topic of what is a credit bureau? What is a credit bureau? We'regonna answer that and it's the first of many videos that I'm gonna do in aseries to do with our credit score and credit report. So it will be very helpful. Just aquick note if you haven't subscribed already please do so and then if youwant to interact that'll be great. So what is a credit bureau? Well first ofall there are there are two companies in Canada that are considered creditbureaus. There's Equifax and TransUnion you'll notice TransUnion spelled all asone word with the capital u in the middle. And so what they do is in essenceis they they collect information on us personally. They collect data and they don'tjust collect it but they compile it within their algorithm, within theirformula, their secret sauce if you would, to come up with what


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