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A search of the credit bureau files to provide a profile of the applicant’s financial history. Search can show additional addresses and names and consumer credit activity covering a seven year period detailing overdue or slow accounts, charge offs, collections, suits, tax liens, public records, judgments and bankruptcies. This is heavily restricted search requiring authorization. The State of California has special requirements for credit reports. Young applicants and individuals new to the country, might not have developed a credit history yet. Typographical and /or transposition of numbers at the time a Social Security Number is used by a creditor to initiate a credit inquiry can create errors in the data. Applicant’s must be given information on how to contact the credit repository to request changes if errors are found in the report. Material is available through the AccuSource online system for learning how to read credit reports.