A credit report is a detailed report of an individual's credit history prepared by a credit bureau. Credit bureaus collect information and create credit reports based on that information, and lenders use the reports along with other details to determine loan applicants' creditworthiness. Some information contained in a credit report include but not limited to:

• Name
• Date of birth
• Address
• Phone number
• Unique identification number
• Type of credit account(s)
• Credit payment limits and balances
• Credit performance
• Credit score
• Other public records