Credit Record

Another term for a consumer's credit history. It is a record of how a consumer has paid credit accounts in the past, used as a guide to determine whether the consumer is likely to pay accounts on time in the future. This information contained in this record, known as a credit report, is collected by the three major credit reporting agencies and includes everything from one's Social Security number, current and prior addresses, detailed status of all credit lines or loans and employment info.
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