what is the best definition of a credit report?

The best definition of a credit report is that it is a detailed summary or record of an individual's credit history. It includes information about how a person has managed and repaid debt, such as credit cards, loans, and other bills, along with personal identifying information, credit accounts, payment history, credit limits, public records like bankruptcies, and inquiries from entities that have checked the report. Credit reports are created and maintained by credit bureaus (such as Equifax, Experian, and TransUnion) and are used by lenders, insurers, landlords, and employers to assess creditworthiness and other financial risks.