The place that stores the data and information pertaining to each consumer’s credit history is known as a credit report bureau. You may also hear this referred to as a credit reporting agency. These companies maintain your information in a central location so that your credit – both good and bad – will follow you wherever you go. This helps make it easier to get a loan, but also helps to keep you from becoming the victim of identity theft. Since the information you provide on an application is compared to your national credit report, it sometimes makes it easier to spot fraud.

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