What Is a Credit Report? A credit report is a comprehensive document that outlines an individual's credit history and financial behavior. It contains information about an individual's credit ...

A credit report documents your credit history, which is turned into your credit score. The three major credit bureaus — Equifax, Experian, and Transunion — create your credit report.

Federal law enables consumers to obtain a free annual copy of their credit report from each of the three credit bureaus. Prospective employers may also check a candidate's credit score before ...