Credit Reports24 May 2011 - Which Way To Pay Credit Reports When you apply for credit or make a request to borrow money then a credit report is created for you. The report provides a history of your ability to deal with your financial obligations. Lending firms, banks and credit unions will send information of your financial relationship with them to the credit bureau so that the report is updated. A credit report contains a lot of important information about you, including; personal information such as your name, address, date of birth and Social Security number. It may also contain details of your credit applications and your Banking Information. They may check your account for Information of any bankruptcies, judgments and anything on Public Record. They will also search through your credit history showing all companies/individuals who have requested to view your report in the past three years. Your personal information is collected by credit bureaus. They begin to do this from the first time you apply for a loan or credit card. The two main bureaus in the US are Equifax and Experian, who provide private and business credit ratings information and data
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