The Debt Report in My Credit Reference.
I know there is such things out there as credit reference agencies but had no real idea of what they do and how they do it. All I knew for sure was that do to my apparent inability to do debt management on my own, they were all saying bad things about me. When I started to work to get my credit back one of the first things I did was to look at my credit reference. They had a lot of information on that I did not even remember doing. They knew every place that I had applied for credit and what the results of that application had been.