A credit reference is used by lenders to determine your creditworthiness. You might need a credit reference in a variety of circumstances, like when applying for a credit card, renting an apartment or ...

Your credit report is your most well-known — and valuable — credit reference. But it’s not the only one you have. A credit reference can take on many different forms. For instance, each individual ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Thomas J Catalano is a CFP and Registered Investment Adviser with the state of South ...