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A credit report is a report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness. Many companies use your credit rating as a way of profiling you. It is used not only by credit card companies and mortgage companies, but also by landlords, cell phone providers, and other companies. There are many services that will provide you with a copy of your credit report online. In addition to providing you with a credit report, some companies will offer packages where they will send you an e-mail alert notifying you when there is a change in your credit report.
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