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  • I knew was that credit is goods, services or money received in exchange for a promise to pay back a definite sum of money at a later time
  • Did you know education loans and mortgages are forms of closed-end credit. People who pay these are borrowers
  • If credit has never been used you will not have a credit report.
  • Borrowers choose how much to pay
  • Requests for a persons credit report must be a result of actions by the consumer
  • CRA's are encouraging regular payment information to be reported to help consumers build a positive credit history
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