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Consumer report By : Consumer report A consumer report gives information regarding products and companies that one is interested in. For example, if you are planning to purchase something on credit; then the company you apply for funds will run a credit check and will consult your credit report. If it sees a poor credit score, you will not be offered any finance for your purchase. Unlike a consumer report, a poor credit report if very difficult to overcome as it stays with for a long time, often until one finds a company that specialises in bad credit repair to help increase the credit score.