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Credit is a contractual agreement involving borrowing, then repaying with interest A borrower receives a sum of money or something else of value and commits to repayment to the lender later,
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When people talk about your credit, they mean your credit history Your credit history describes how you use money For example: How many credit cards do you have? How many loans do you have? Do you pay your bills on time, or are you late on payments?
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A credit report is a detailed record of how you've managed your credit over time Credit reports are used most often by lenders to determine whether to provide you with credit and how much you will pay for it Credit reports are also used by insurance companies, employers, and landlords
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