Latest articles from Financial Help with credit counseling,Low Interest Rate Credit Card,and Credit Card Apply (http://www.financial-helps.com) http://www.financial-helps.com 2009-01-07T23:36:49+01:00 text/html 2008-04-06T16:56:54+01:00 http://www.financial-helps.com http://www.financial-helps.com/credit-reporting-how-does-a684.html In order to determine a consumer’s credit worthiness, creditors and lending institutions have come to depend on credit reporting agencies. Credit reporting agencies supply individual reports that provide consumer specific information for lending purposes. Traditionally, a credit report will provide a detailed summary of any delinquency you have had with your creditors. This is measured by the number of times that you fallen more than 30, 60, 90, and 120 days past due.