- This article deals with the general concept of the term credit history. For detailed information about the same topic in the United States, see Credit score in the United States.
A
credit history is a record of a borrower's responsible repayment of debts. A
credit report is a record of the borrower's credit history from a number of sources, including banks, credit card companies, collection agencies, and governments. A borrower's
credit score is the result of a mathematical algorithm applied to a credit report and other sources of information to predict future delinquency.
