# Credit Report

*Borrowing & Credit — Finicade finance glossary*

A credit report is the record a bureau holds on you: accounts, balances, payment history, inquiries, public records. The score is derived from it, so errors on the report are errors in the score — and roughly one in five reports contains a material one. You're entitled to free copies, and disputing an item forces the bureau to investigate within about 30 days. Most negative items age off after seven years; a Chapter 7 bankruptcy after ten.

**Also known as:** credit file, credit history report

**Related terms:** [Credit Bureau](https://finicade.com/glossary/credit-bureau), [Credit Score](https://finicade.com/glossary/credit-score), [Hard Inquiry](https://finicade.com/glossary/hard-inquiry), [Charge-Off](https://finicade.com/glossary/charge-off), [Delinquency](https://finicade.com/glossary/delinquency)

Source: https://finicade.com/glossary/credit-report