A credit report is a record of a person's credit activities
http://www.freeannualcreditreportnow.com/purpose-of-credit-reports/
Acquiring free credit reports are rights of a consumer as amended in the Fair Credit Reporting Act of 2003. This was done by the government to ensure that all have the right to stay informed. It also gives Americans the opportunity to know what the credit reporting bureaus are saying about them, without having to pay for the information.
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