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Credit reports have the power to preclude a consumer from obtaining a crucial home loan, buying a much needed car, or even renting an apartment. In some cases, these credit profiles may even hinder the consumer from finding employment for which s/he is perfectly qualified. Credit reports contain information that is compiled by credit bureaus, which, in turn, receive information on consumers from their lenders and other business entities. There is legal oversight that ensures that all the information that is gleaned from these sources is reported accurately, and that along with the bad notations, the good accounts are also placed on the reports.