61.   Their credit record has been spotless.

62.   Their credit records get mixed up.

63.   There used to be little incentive to pay back defaulted loans because your credit record would always indicate a default.

64.   They even can find their way into a credit record.

65.   Thirty-three percent said an employer should have access to a credit record only if it relates to the job.

66.   To avoid major money troubles later on, you also need to polish your tarnished credit record.

67.   Used correctly, they can help build a good credit record.

68.   Victims must first prove to skeptical creditors that the charges are fraudulent and then work tirelessly to clean up their credit record.

69.   What the woman learned is that credit records, as well as driving records, can make auto insurers balk.

70.   With consumer bankruptcies at record levels and credit card delinquencies rising, almost half of all adults have some sort of problem on their credit records, Bass said.