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A cred|t bureau (unlLed SLaLes) or cred|t reference agency (unlLed klngdom) ls a company

LhaL collecLs lnformaLlon from varlous sources and provldes consumer credlL lnformaLlon on
lndlvldual consumers for a varleLy of uses lL ls an organlzaLlon provldlng lnformaLlon on lndlvlduals
borrowlng and blll paylng hablLs

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