The first question that must be answered is the most important. What is your credit report? A credit report is a collection of information about you. This information is centered around your specific ability and experience with credit use. Credit, a form of money that is given to individuals to spend and repay over time, is given by lenders only if they believe you are a good risk to them. Every lender must define what level of risk is acceptable to them, but they base their decisions on the pas