What are credit reports maintained by

Consumers have three credit reports, which are maintained by the three national consumer reporting agencies: Experian, Equifax and TransUnion. The information in these reports comes directly from a consumer's creditors and indicates how responsibly they have handled their finances over time.

Explanation:

hope this helps

try c

explanation:

because health care was someone else i think

answer:

c it's motivated by the needs of the patient.