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This video discusses the extremely important subject of credit reports. These records contain the information that drives your credit score and directly affects your ability to take out a loan and purchase large-ticket items.

A credit report contains your payment history for the last seven to 10 years. It shows every open and closed credit card account, as well as whether or not you made any late payments to any utilities or other bills. These are all factors that go on to affect your credit score, and they can have a long-standing impact on your financial future.