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The three major Credit bureaus. The three major Credit bureaus, Experian, Equifax and Trans Union are similar and feature a "Credit score", which is created from Credit Report data submitted to them about you. Their report includes where you live, your bill-paying habits, and bankruptcy and arrest information. The information compiled by them is used to determine whether you would be a good borrower. It may also be used by a business to decide whether you would be a good employee.
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