Do you remember your report card from school? The one you got at the end of the term, telling your parents how well or worse you did? The one you were terribly scared of? Of course, you do! You have had so many sleepless and anxious nights the day before the result! What if I tell you that report cards are not just for schools or colleges? What if they follow you right till you retire from work? Terrifying right? But that is how it is. From the academic report comes the credit report. It is a record of how...
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