Credit Report is a document completed by a credit-reporting agency providing information about the buyer's credit cards, previous mortgage history, bank loans and public records dealing with financial matters

It is a report that documents a borrower's credit history and current status. Borrowers can examine their own credit reports, although most credit reporting companies charge a fee to provide a report. A report to a prospective lender on the credit standing of a prospective borrower, used to help determine credit worthiness.

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