records

What is Credit History?

Credit history is a record of your past borrowing and repaying, including information about late payments and bankruptcy.  In other words, your credit history is your reputation about how much debt you have and how you repay that debt. Your credit history is created by the consumer reporting agencies through credit information they receive and compile from furnishers of credit information such as your mortgage lenders, credit card companies, automobile loan lenders and others.  These furnishers report personal information about you such as your name, address and social security number along with information about your debt, such as the amount of your debt, your payment history, etc.