What is a credit report?

@althea_dooley 

A credit report is a detailed record of an individual's credit history. It includes information such as their borrowing and repayment behaviors, credit accounts (e.g., credit cards, loans), payment history, current outstanding debts, and public records (e.g., bankruptcies, tax liens). It also includes personal information, such as name, address, social security number, and employment history. Credit reports are maintained by credit bureaus or credit reporting agencies, and are used by lenders, creditors, and other authorized entities to assess an individual's creditworthiness and determine their eligibility for borrowing or extending credit.