Companies report people to credit agencies if they fail to pay their bills on time. borrow too much money. fail to use different types of credit. use large amounts of credit at once.

Creditors reports history with other lenders and the debtor's borrowing activities (debts and payments) to Credit agencies. Credit agencies collects information about individual or business debts and assigns a credit score. The credit score demonstrates borrower's creditworthiness, serving as a guide to other lenders. If the debtor fails to pay bills on due dates, the credit score will most likely be low. Lenders will mostly refuse to approve future loans as a low credit score indicates the applicant is a bad payor.

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