If you have ever applied for a credit card, a personal loan, insurance, or a job, there is probably
a company keeping a credit file or credit report about you. This file contains information about where
you live and work, how you pay your bills, or whether you have been sued, arrested, or have filed for
bankruptcy. Companies that gather and sell this information are called “Consumer Reporting Agencies” or
“Credit Bureaus.” The information sold by Consumer Reporting Agencies to creditors, employers,
insurers, and other businesses is called a “credit report.”...