What Is a Credit Report?

A credit report is a synopsis of your credit history. A personal credit report contains your identifying information, such as your address and date of birth, as well as information about your credit history, such as how you pay your bills and whether or not you have filed for bankruptcy. This information is collected and updated by three major credit agencies (Equifax, Experian, and TransUnion). Most national department store and bank credit card accounts, as well as loans, are included in your file, but not all creditors disclose information to credit bureaus.