If you have any type of credit, such as a car payment or credit card, you should understand what a credit report is and how to read it yourself. You ought to know who can pull your report and how the information is used. When you understand your credit score, you can take steps to improve it. Who Has a Credit Report? You have a credit report. Almost immediately after graduating from high school (and sometimes before graduation,) young consumers are sent applications for credit cards. Whether heading to college or straight into the workforce, twenty-year-olds often make their first
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