This document contains 29 two-page reports on credit, business credit, direct marketing, and real estate data prepared by the credit reporting company, TRW, for consumers. Topics covered are the following: consumer credit reports, how to obtain a copy of a consumer credit report, how credit bureaus compile consumer credit reports, the role of consumer credit bureaus, the benefits of consumer credit reporting, how companies make credit-granting decisions, how divorce affects consumer credit, the Fair Credit Reporting Act and consumers' rights, fair information practices, risk scores, credit repair clinics, account monitoring, cosigning a loan, correcting an error in a consumer credit report, direct mailing lists, questions about consumer credit reporting, employer use of credit reports in hiring decisions, combating credit fraud, preapproved credit offers, fair information values, business credit reports, how personal credit data helps business owners, TRW's role in mailing list preparation, how to "opt out" of direct marketing lists, how names get on mailing lists, fair information practices, how TRW facilitates real estate transactions, and how information providers help consumers buy and sell property. (KC)