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What is a credit report?

A credit report is any written, oral, or other communication of information issued by a credit reporting agency concerning a consumer's credit worthiness, standing, capacity, character, general reputation, personal characteristics or mode of living. It includes information provided to the credit reporting agency by companies that have a business relationship with the borrower or that collect data on such relationships.

Learn more about credit reports at the Consumer Financial Protection Bureau website.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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