Credit bureaus are companies that collect and organise information about how people use credit, such as loans, credit cards, and payment history. They generate credit reports and scores, which reflect the creditworthiness of the consumers. Lenders use these reports and scores to evaluate the risk and likelihood of timely loan repayment by the borrowers. Credit bureaus play a significant role in the financial system, as they help to prevent bad loans, fraud, and promote financial inclusion.
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