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Your Credit Report Credit reports are used for a variety of reasons, such as extending credit, determining an interest rate, employment consideration, and insurance. Your credit score is a numerical
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Your credit report is a detailed record of your credit history, including any loans, credit cards, or other financial transactions you have made.
Credit reporting agencies are responsible for compiling and maintaining your credit report. Lenders and financial institutions may also access your credit report with your permission.
You do not fill out your credit report directly. Instead, your credit history is automatically updated by lenders, financial institutions, and credit reporting agencies.
The purpose of your credit report is to provide lenders and financial institutions with a detailed history of your creditworthiness, helping them make decisions about whether to extend credit to you.
Your credit report must include information about your credit accounts, including balances, payment history, and any delinquencies or defaults.
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