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Consumer Credit File

Consumer Credit File

A consumer credit file is a collection of data about an individual’s borrowing and repayment activity. Your credit file contains the information that determines your credit score. When you apply for an automotive, mortgage, or other type of loan, the financial institution will check your credit file to see whether you appear to be a good or bad credit risk. You can see what’s in your credit file by requesting your credit report from each of the three main credit bureaus.

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