Which of the following is NOT recognized as a major credit monitoring company?

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Transpacific is not recognized as a major credit monitoring company. The three main credit monitoring companies are Equifax, Experian, and TransUnion, which are widely used for credit reporting and monitoring services. These companies collect and maintain financial information on consumers, which lenders use to assess creditworthiness. Since Transpacific is not among these established organizations, it does not provide the same services or recognition within the credit industry, making it the correct choice for the option that does not belong in this context.