Credit reports are compiled by a credit reporting agency and contain data from many different sources. They are commonly used to make decisions about a person’s ability to obtain credit, employment, insurance and rent or purchase a home.
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A credit score is a numerical value or categorization a lender uses to predict the likelihood of certain credit behaviors (i.e. default). A credit score may also be used to determine the credit terms or rate a person pays for a loan.
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A Social Security number (SSN) is a nine digit identification number that has become a universal identifier for both the government and the private sector in the U.S.
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A specialty consumer report (compiled by a specialty consumer reporting agency) may include
residential or tenant history check writing and banking history employment history insurance claims medical records and prescription history Read More