How did the completion of the Transcontinental Railroad contribute to the settlement of the West? *

  D. Federal Reserve.

Explanation:

  Credit reporting agencies are business that maintains historical credit information on individuals and businesses. They receive reports from lenders and other sources which are compiled in a credit report including a credit score.

  In the United States, there are three major of these that dominate the market of collecting, analyzing and distributing information about consumers. These credit reporting agencies are Equifax, TransUnion, and Experian.

  I hope this answer helps you.