Which of the following is not a national credit agency?

CreditOne is not a national credit agency; it is a financial services company that issues credit cards and offers related banking products. National credit agencies, on the other hand, are organizations that collect and maintain consumer credit information to generate credit reports.

TransUnion, Equifax, and Experian are the three major national credit bureaus recognized in the United States. They each maintain extensive databases of consumer credit information and provide services to lenders, businesses, and consumers. These agencies play a crucial role in the lending process by reporting consumer credit histories, helping lenders assess credit risk. Since CreditOne does not fall into this category, it is identified as the correct answer to the question.