Credit Reports generally contain 5 types of information. Identification information, Trade Line information, Public Record information, Collection Account information, and Inquiry information.
Having a bad credit can have major affects on your daily livelihood. Qualification for higher interest rates on items such as mortgages, auto loans, credit cards, student loans, as well as auto/homeowners insurance (if you can qualify at all). Higher Interest Rates = Higher Expenses. Less opportunity to make the right investments due to a higher cost of living
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