What is a consumer credit report?
It is a factual record of an individual's credit payment history as reported by their creditors. It is provided for a purpose permitted by law, primarily for people wanting to give you credit. Its main purpose is to help a lender quickly and objectively decide whether to grant you the credit you have requested from them.
If you are one of the more than 200 million people in the United States with a credit card or charge account, car loan, student loan or home mortgage, then information about you probably is stored in on of the conumer credit databases.
Most of this information about your consumer credit report comes directly from the companies with which you do business with.
You can request a copy of your credit report when you wish.