Credit bureaus keep records of everything.

These records are kept in your own personal "credit file." The file has your name on it.

For about seven years your personal credit file contains records of:

• Everything you do when it comes to money and financial responsibility.
• How long you live in different places.
• How long you worked at every job.

Here's the scariest part about credit bureaus:

The scariest part: credit bureaus keep records in your personal credit file of the smallest mistakes you make. And that small mistake can have a huge impact on you.