1.   Bradstreet Information Services, which provides credit reports on businesses.

2.   Sedgwick and McGean carried with them copies of their resumes, rental and work histories, credit reports and life stories.

3.   The financial information on credit reports, such as bank accounts and loans, is tightly regulated.

4.   Check your credit report at least once a year.

5.   Also check your credit report to make sure it does not contain inaccurate information.

6.   Also, Wall Street traders rarely react to the credit report because it comes with a two-month lag.

7.   And check your credit report annually.

8.   And consumers can obtain a copy of their credit report from www.creditreport-net.com.

9.   Answer letters from collection agencies promptly with phone calls and letters that will go on file as contested, and do the same with any tainted credit report.

10.   Any lender considering extending credit to you can obtain a copy of your credit report without your permission.