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 | Hey Bill! I have a question for you, so I heard about these credit reports the other day. Do you know anything about them? | |
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| Yes, I know a lot about them. Credit reports are reports, created by any CRA, that shows your credit history. Your score may vary between each CRA though. There are three agencies, Equifax, Experian and TransUnion. | |
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| Oh wow! What kind of information shows up on these credit reports? | |
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| Well, it has your personal information on it such as your name, current and previous addresses, your social security number, etc. It also has your credit account information, public record information as well as inquiry information. | |
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| Where do these CRA's get all of their information from? | |
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| Depository institutions, credit card companies, retail stores that offer credit accounts and mortgage and finance companies usually report all information, negative and positive about your history. However, landlords. cell phone companies, utility accounts, and medical providers will also report when money is owed to them. | |
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