credit reports

credit reports
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  • Hello BOB! let me tell you about my day. my landlord is not going to let me live in those fancy apartments because i don't have a credit report.
  • whats a credit report?
  • OMG I didn't know that! but whats a credit score?
  • a credit report is a history of you credit . a credit bureau does this based on your information like if you are in debt or if you have any loans. this also determines your credit score.
  • now i am well informed . thank you! 
  • a credit score is a number telling your lender the risk it takes to borrow money. it represents your credit risk at on point in time based on the information found in your credit report
  • but im only 10!
  • well thank you for your time. have fun at work!
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