Your credit report is a record of your borrowing history, including loans, credit cards, and how regularly you repay them. It is maintained by credit bureaus and shared with lenders.
The report feeds into your credit score, which lenders use to judge your reliability. A clean report with timely payments keeps your score healthy.
Check your report at least once a year. Look out for accounts you do not recognise, late payment entries, or incorrect personal details that could hurt your score.
You are entitled to a free copy of your credit report periodically. Reviewing it regularly helps you catch fraud early and fix errors before you apply for a loan.