About the Author Jean Robbins is currently worked in Corporate Finance at Tilburg University and a research fellow of the CentER for Economic Research Annuities are a major personal finance tool for consumers looking to lower their tax profile and plan for retirement. Not only is this illegal, but it can completely ruin your financial stability. Most people who are of an age to care about their credit are aware that the three main credit bureaus, Experian, Trans Union and Equifax, maintain credit reports on them. Sure, aesthetics are important.