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Credit bureaus, also known as credit reporting agencies (CRAs), collect this information from merchants, lenders, landlords, etc., and then sell the report to businesses so they can evaluate your application for credit. Your credit report can be viewed by people you have initiated business with, such as lenders, landlords, credit card companies and other businesses. Report access – Only those who have a “permissible purpose” can access your report. They differed from “mutual protection societies” in that they allowed anyone to access the credit information — for a price. These inquiries don’t show up on the reports that lenders see, and therefore don’t affect how they view your credit. Some experts say that if you have 10 credit card inquiries in six months, that will probably scare a lender. To make your own record bowl you will need a vinyl record, two oven mitts, a cookie sheet and an oven-safe-bowl approximately 9 inches (22.86 cm) across the top. The main compartment holds approximately 40L. It’s top-loading with a drawstring closure and a rainproof top lid.