When researching credit repair, many people wonder “what is a credit report?” A credit report is a summary of all your credit related activities.
Any credit accounts you have now or have had in the past (including credit cards, home loans, auto loans and more) are listed in your credit report.
A credit report details the balances of these accounts, account history, payment information and, if applicable, whether any action has been taken against you due to issues such as late payments or unpaid credit bills.
A credit report is used by banks and other credit providers when deciding whether to grant a loan.
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