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Have you ever had problems collecting rent from a tenant because of their financial problems? A consumer credit report shows the applicant credit history as established with institutions such as mortgage companies, banks, credit unions, department stores, automotive dealerships, gas stations, apartment rentals, etc. Should credit accounts become past due, creditors may turn the account over to collection agencies who also report information to credit bureaus. In addition, public record information, such as bankruptcies, liens, and judgments appear on the credit report. When a credit file is established on an individual, that file will also contain personal identifiers such as names used, addresses, social security number, and sometimes employers.
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