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Credit Reports

If you've applied for credit in the past, your lender will probably have a report on your credit history with that institution, that is, your borrowing and repayment record with that institution.  Such records give lenders a clearer idea of the credit risk posed by their borrowers and enable them to make better and more informed lending decisions.
The 3C's of credit
Who keeps your credit report?
Who can access your credit report?
What does your credit report contain?
Who assigns your credit rating?

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