You have all three. All Americans do. When a bank tries to identify your credit score, they automatically contact all three. All three monitor you.
Be aware that Chime cards are pretty unique. They're technically credit cards but you often need to put money on them in advance. There's functionally a debit card that charges you interest for your own money. But that's how they build your credit. The role of credit is for a bank to ask, "Can this individual be trusted if we loan him money?". Using Chime proves you can be trusted because you're creating a paper trail of your responsibility, but instead of being loaned money from a bank, you're essentially loaning it to yourself just to build that paper trail