| An account of your credit history,
prepared by a credit bureau. A credit report will contain both credit history,
such as what you owe to whom and whether you make the payments on time, as well
as personal history, such as your former addresses, employment record and lawsuits
in which you have been involved. It can be obtained by prospective lenders with
the borrower's permission, to determine his or her creditworthiness.
Credit Report is Your Electronic Fingerprint. You can't escape it. It will always
precede you. It represents your reputation in the personal financial community.
If it is solid, it can be one of your best assets. If it is damaged, it can be
one of your biggest liabilities.
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