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Researchers have found that
Comprehensive Consumer Credit Report
A detailed report containing the credit history of an individual, including credit accounts, inquiries, and public records, used by lenders to determine creditworthiness.
Character
The set of moral and mental qualities and beliefs that distinguish one person from another.
Reputation
The perception or opinion that is generally held about someone or something based on past actions or character.
Personal Traits
Characteristics or qualities that form an individual's distinctive character or personality.
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