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A credit report is a detailed record of an individual's credit history, including information about their borrowing and repayment activities. It includes details such as credit card accounts, loans, and payment history, as well as any negative marks such as late payments or accounts in collections. Lenders, landlords, employers, and others use credit reports to assess a person's creditworthiness and financial responsibility. The report also includes personal information such as name, address, and social security number. It is important for individuals to regularly review their credit reports to check for inaccuracies or fraudulent activity, as this information can affect their ability to obtain loans, credit cards, or other financial products.