This article deals with the general concept of the term credit history.. 6 more than one credit history per person. 7 see also. 8 references. Credit report a detailed report of an individual's credit history prepared by a credit bureau and used by a lender to in determining a loan Offers consumer and commercial credit reports and services. How to repair a bad credit history. no matter how bad your credit is you can take steps that will make it better.. that person's credit will be affected. Compare credit cards for people with no credit history and apply online at creditcards.com. Provides a yearly free credit report from equifax experian and transunion in order to monitor credit history and guard against identity theft. requests can also be made by phone or mail. How to article how to build a credit history. many people avoid signing up for credit cards because they're afraid of going into debt. however many eventually get Your credit history lists your credit habits from the day you began purchasing items on credit to the present.. have a long credit history this is the most. Provides business and consumer credit reports credit repair advice and services. A credit history is a financial report card.. what's in a credit history? who has access to it? who stores this information?.