| Jennifer is having a hard time, and asks Jerry for help. |
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 | So Jerry, I am having trouble figuring out what credit is. Can you help me out? | |
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| Sure. credit is goods, services, and/or money received in exchange for a promise to pay back a definite sum of money at a future date. | |
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| Who is in charge of calculating my credit score? | |
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| Well there are three Credit Reporting Agencies, or "CRAs" that make three different credit scores. They are Equifax, Experian, and TransUnion. | |
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| What information is in a credit report? | |
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| A credit report includes personal information, credit account information, inquiry information, and public record information. | |
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