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Credit Reporting Agency
Explanation:
A credit bureau or credit reporting agency collects your credit history, and allows loan issuers or other companies and organizations to review your credit when applying for a credit card, loan, or even a job. Credit bureaus can only release your credit information with your permission.
Our Thoughts:
You can check your credit report from each credit reporting agency annually for free. It's important to look for errors or evidence of identity theft/fraud. Watch out for companies that offer "free" credit reports -- often, you'll have to pay for a subscription to their service.