Credit Report

Credit history or credit report is a record of an individual's or company's past borrowing and repaying, including information about late payments and bankruptcy.

The term "credit reputation" can either be used synonymous to credit history or to credit score.

When you fill out an application for credit from a bank, store or credit card company, your information is forwarded to a credit bureau, along with constant updates on the status of your credit accounts, address or any other changes you may have made since the last time you applied for any credit.