The credit report companies act as an institution that will make a resume of all your transactions, i mean official and notable transaction ( like any credit you made, any car you've both, any company or job you held in the present or worked in the past). Be aware of whom you give your details too, there are a lot of scam artist out there that will promise a free credit check, you will just need to put your credit card in there. Recheck them 10 times before.
regards
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