| 11/20/2007 |
A credit report is a record of your financial behavior. It contains identifying information about you and indicates how responsibly you have used credit and met your financial obligations. Credit reports are prepared by credit reporting agencies, or credit bureaus, based on information voluntarily supplied by financial institutions, mortgage companies, credit card issuers and other lenders. Credit bureaus also gather information from local courthouses and public records concerning tax liens, foreclosures, bankruptcies and other credit-related matters.
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