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What's the difference between credit reputation and credit history? List some of the types of major derogatory incidents that might appear on an individual's credit

What's the difference between credit reputation and credit history?

List some of the types of major derogatory incidents that might appear on an individual's credit report.

Andrew pays his bills on time; he always has. Does that mean he has a perfect credit score, or are there other factors besides late payments and defaults that can harm an individual's credit score.

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