A credit report is a comprehensive overview of the credit history of a person compiled by a credit bureau. Based on the facts and reports, lenders use the reports along with other data to assess the credit ratings of loan applicants.
What's included in your credit report?
Data about where you work, how you pay your bills, and whether you have been sued or filed for bankruptcy is included in the credit report.
The information in your report is issued by national credit reporting agencies to banks, insurers, employers, and other organizations who use it to assess your credit, insurance, jobs, or home rental applications.