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, when a customer fills out an application for credit from a bank, store or credit card company, their information is forwarded to a credit bureau. The willingness to repay a debt is .In the U. The credit bureau matches the name, address and other identifying information on the credit applicant with information retained by the bureau in its files.S. This information is used by lenders such as credit card companies to determine an individual's credit worthiness; that is, determining an individual's willingness to repay a debt. Credit history or credit report is, in many countries, a record of an individual's or company's past borrowing and repaying, including information about late payments and bankruptcy. The term "credit reputation" can either be used synonymous to credit history or to credit score.That's why it's very important for creditors, lenders and others to provide