Credit information refers to the data that reflects an individual's or business's creditworthiness. This information typically includes credit history, outstanding debts, payment history, and credit inquiries. Lenders use this data to assess the risk of lending money or extending credit to a borrower. Credit information is often compiled into a credit report, which is generated by credit bureaus like Equifax, Experian, and TransUnion. These reports are used to calculate a credit score, a numerical representation of creditworthiness. A higher credit score generally indicates a lower risk for lenders, making it easier to obtain loans or credit cards.