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Joel Hoffmann is a the U-T Watchdog data specialist. He previously worked for the Voice of San Diego, Philadelphia Office of the Inspector General and as a contributor to Philadelphia Weekly.

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In the United States, a credit report plays a large role in the financial decisions an individual will be able to make in the future. Here is an overview that looks at what exactly a credit report is, who the three major companies are that offer credit reports, why it is important and how to go abou

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