Hay fever, or allergic rhinitis, is a common condition with symptoms similar to those of a cold. There may be sneezing, congestion, runny nose, and sinus pressure. It is caused by an allergic response to airborne substances, such as pollen.
The three major credit-reporting bureausâExperian, TransUnion and Equifaxâcollect credit information about consumers. To assist in the gathering of this information, businesses can report consumer activity to these bureaus, which let consumers request a copy of their credit report.
Credit Bureaus keep all these information on a borrower â both positive and negative, and it is from this database that lenders can access the credit history of a loan applicant. Individuals who would like to see their credit report can also apply to the Bureau to assist in viewing it. The concept of having a credit bureau is not a new phenomenon. In developed countries, it is an established practice for individuals and organizations to carry out credit checks before engaging in any credit agreement. The core functions of credit bureaus are: