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A credit score is developed from a credit report. A credit report is essentially a summary of credit history (e.g. your borrowing and repayment track record with banks, credit card companies, and other creditors, collection matters, credit inquiries, judgments against you, bankruptcy history, and various personal information, such as: name, address, social security number, etc.). Good credit reports can be the difference between easily obtaining a loan for the property you want and being unable to locate suitable financing for a property. Your credit rating may also be a determining factor in whether or not you are able to obtain financing at favorable interest rates. Click Here to Read More..........