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Glossary and terms about credit cardsHome » Credit Card Glossary
Consumer Credit File
The collection of a single customer’s debt repayment reports is also known as the individual’s consumer credit file. This file is stored at a credit bureau, otherwise known as a credit reporting agency.
A person’s credit score is largely based on his or her consumer credit file, which determines whether or not that individual is eligible for a credit card or a loan. These scores also determine the rate at which the consumer can be allowed to get a loan.