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	A credit report is a document that shows information about a persons credit history. It is easy to obtain a credit report online.	Credit Reports also shows a person's credit score which is a statistical technique used to determine whether to extend credit and if so, how much to a borrower.


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Home > Credit Card Articles > Credit Report

What Is A Credit Report?

A credit report is a detailed report of an individual's credit history prepared by a credit bureau and used by a lender to in determining a loan applicant's creditworthiness, including a person's address, social security number and employment history.

Also in a credit report the credit bureau gives a summary of credit history, as in the detailed account information such as numbers and type of accounts that are re past-due or in good standings. Credit Reports also shows any inquires that were requested into an applicant's credit history and shows details of any accounts turned over to credit agency such as information about liens, wages garnishments via federal, state or county records.

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