Credit Access

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What is a credit report? A credit report provides information about where you live and how you pay your bills, as well as whether you have been sued or filed for bankruptcy. Why is a credit report important? Credit reports are important because they are used by creditors, insurers, employers, and other businesses to check your applications for things like credit cards, insurance, employment, or renting a home.  Credit reports can affect whether you can get a loan and how much you have to pay to borrow money.