Credit report and score basics
Your credit report is a summary of your credit history. Your credit report is created when you borrow money or apply for credit for the first time. Lenders send information about your accounts to the credit bureaus, also known as credit reporting agencies.
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Original Article Source Credits: Government of canada, https://www.canada.ca
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Link to Original Article: https://www.canada.ca/en/financial-consumer-agency/services/credit-reports-score/credit-report-score-basics.html