Credit Reporting Company -

: Whether you pay your bills on time or have a history of late payments. Public Records : Major financial events like bankruptcies.

: How much you currently owe on various accounts. The "Big Three" and Beyond credit reporting company

Credit reporting companies don't actually decide whether you get a loan; they provide the "report card" lenders use to make that choice. What is a credit reporting company? : Whether you pay your bills on time