Why Were The Credit Reporting Agencies Created?
The Credit reporting agencies were created in the 1900′s when people started moving around across the country. At this time it was difficult to track consumers credit histories since they could move, more easily from place to place, and default on loans and just begin again in a new area. There also became more lenders in one area where in the past there would be a local lender who could control the information and history of paying patterns since they were the only available choice for borrowing money. Because of these growth changes the need for a entity that could provide all of an individual or business credit history was paramount.
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For over two decades, I have owned and operated a Credit Education and
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