Credit reporting agencies maintain files on millions of borrowers. Lenders
making credit decisions buy credit reports on their prospects, applicants
and customers from the credit reporting agencies.

Heresy: My score determines whether or not I get credit. This is just one
example. Find out what else is heresay and what is fact.

 Inaccuracies that can lower your credit rating can occur without your
knowledge, even if you've always made your payments on time. And if your
credit history is imperfect, checking your report is a necessary first step
toward fixing problems. As you work to improve your credit, regular checkups
will keep you informed of your progress -- telling you, for example, when
old account information has been removed from your report.

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