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What Is a Credit Report?

What Is a Credit Report?
A credit report is simply a document that outlines your credit history. The report contains details of your last residence, employment history, payment history, whether you've declared bankruptcy, and other personal information relative to your finances.

Credit reports are made available by what's known as a "consumer reporting agencies" and the most common type is a credit bureau. By collecting important personal financial data, they make your credit history available to lenders, credit card companies, insurance companies, department stores, employers [with your consent], mortgage companies, and even landlords.

Credit bureaus make a profit by collecting and selling your personal information. They comb public records to see if you have any previous foreclosures, tax liens, or court judgments against you. They combine this information with your payment habits to form a summary of your credit history. Creditors or lenders then evaluate your report and determine if you meet the right criteria to qualify.
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