How the Credit Industry Works to Report Your History Voluntarily

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Since credit reporting is a voluntary system, lenders don't HAVE to report your late payments or defaults to the credit bureaus—but they will!

ABOUT CREDIT COUNTDOWN
Credit expert John Ulzheimer shows you how credit works. Having worked in the credit industry for nearly three decades for companies such as FICO, Equifax, and Credit.com, John Ulzheimer is one of our nation’s most sought-after credit experts and the leading authority on credit-related topics.

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