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Your Credit Information Report (‘CIR’) contains detailed information of your credit/loan history, including your identity information, credit accounts, loans, payments, recent enquiries and credit score.
Your Credit Score is based on the information in your credit information report. Higher the score, the more favorably it is viewed by banks and financial institutions.
A variety of businesses check your credit report to make decisions about you. Banks check your credit report before approving you for credit cards and loans.