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Why is it important to know the credit score and the credit report? Well, the answer is that keeping track of financial details, will only help you learn more about your financial credibility.

To your surprise because of the error of this particular creditor, you are denied because your credit score is too low.

This will effect the "debt to income" ratio and credit score many lenders consider, and this can lead to delayed or denied application.

This report keeps a check on your credit status and other personal information.

The result can be astronomical when you amortize a mortgage over 30 years.
Normally you have three credit reports that are not similar to each other. The reason behind this is that creditors and lenders transfer the details of one, two and three offices throughout the world and separate calculation.