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The three main credit bureaus are usually grouped together, but they are separate and independent entities that compete for the business of creditors, who can use credit reports and ratings provided by these bureaus to help them in making lending decisions.

Want to get all the information you need about a prospective lendee in one quick and easy review? You can with a credit report. By understanding its different sections and what they mean, you can make more informed lending decisions.

If you need the ability to gather large amounts of information from a number of sources, especially if you use credit reporting services to prequalify your consumers for financing the purchase of your items, Application Programming Interfacing (API) is the way to go.

You might be wondering how accurate a soft pull credit check can be. Well, let’s take a closer look at what it is, what it shows, and the accuracy it offers.