A credit report is a detailed summary of an individual's credit history, prepared by a credit bureau.
Reports include personal information, details on lines of credit, public records such as bankruptcies, and a list of entities that have asked to see the consumer's credit report.
The three major credit bureaus—Equifax, Experian, and TransUnion—are each required to provide consumers with one free report each year.
This credit report tells lenders if you qualify for loan.
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