Sometimes people talk about your credit. Refer to your credit history . Your credit history describes how to use your money :

How many credit cards do you have?
How many loans do you have?
Do you pay your bills on time ?

If you have a credit card or a loan from a bank loan, you have a credit history . Companies collect information about their loans and credit cards.

The companies also collect information about how you pay your bills. They put all this information in one place: your credit report .
What is a credit report ?

Your credit report is a summary of your credit history . There are listed below:

Your name, address and Social Security number .
Your credit cards .
Their loans.
How much money should .
If you pay your bills on time or if paid late .

It is a fair record that contains information about current and past credit obligations a person has contracted with credit institutions or commercial and service companies (such as cell phone, cable, internet, gas, water, etc.) the “credit history” shows the lending activity of the person, indicating whether they have been late in paying their dues or conversely, has complied with its obligations in a timely manner.