Credit Report

A credit report summarizes historical, financial information collected to determine an individual's credit worthiness or the means and willingness of the individual to repay his/her debt. Financial institutions utilize credit reports to determine credit reputation, thus deciding whether to extend credit and on what terms. This report has become even more important in the financial services industry, since it is usually the only one element used when choosing the interest rate.

Credit report or credit history provides an individual's or a company's record of borrowing and repaying, late payments, and bankruptcy information. Most importantly, credit report also contains your personal information such as name, address, social security number, employment information, etc. Keep in mind that you have the right to know who inquired about your credit file over the last six months.
Three major credit reporting agencies in the U.S. are Equifax, Experian, and TransUnion.

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