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What is a Credit Report?

A credit report is a detailed analysis of an individual's credit history put together by a credit agency. Lenders use credit reports to check their creditworthiness for loan requests. Credit bureaus gather financial information about individuals and produce credit reports based on that information.

The summary of a person's credit history is contained in a credit report. A credit report includes your credit score, personal information, loan-specific information, and loan inquiry data.