A credit report is a catalog report of a person's credit account arranged by a credit bureau. Credit bureaus gather data and make credit reports in view of that data, and banks utilize the reports alongside different subtle elements to decide advance candidates' credit value.

In the event that an individual presents an application for credit, a guard approach or investment property, creditors, insurers, property-owners and others are lawfully permitted to get to his credit report. Businesses may likewise ask for a duplicate of a person's credit report as long as the individual concurs and gives authorization in composing. These substances ordinarily should pay the credit bureaus for the report, which is the manner by which credit bureaus win cash.