Article: Credit Reports And Credit Reporting Agencies

Credit Reports And Credit Reporting Agencies

We all know that our financial transactions are reported to credit agencies that track how well and how quickly we pay our debts and that when we apply for a loan for one reason or another, those agencies report our credit history to prospective lenders. However, most of us don?t know a great deal about how that actually happens and how our credit is rated.



The fact is that credit reporting has evolved to an industry all of its own. Just a few short years ago, when someone applied for a loan, he or she put down credit references ? retail stores, banks, or other people or places with whom they had done business in the past. As a matter of course, the lender checked the references and decided whether or not to grant a loan based on an amalgamation of the responses from them. T...
 

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Credit Reports And Credit Reporting Agencies

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