{"iri":"https://folio.openlegalstandard.org/RHbafeB3iGRJL6ZD0aGFoj","label":"Credit Report","sub_class_of":["https://folio.openlegalstandard.org/RBCzyIAi2Hjl80hfQr8wAMR"],"parent_class_of":[],"is_defined_by":null,"see_also":["https://folio.openlegalstandard.org/R77pHybcEdlO9OmqSuiyWi1","https://folio.openlegalstandard.org/R77rieb3DsQdxBQrzBKyb0k","https://folio.openlegalstandard.org/R7PHFZzZmVmczzNQl6iZKsa","https://folio.openlegalstandard.org/R9G7d3XzmmtzTlQIdMFMWGa","https://folio.openlegalstandard.org/R9Ih5zyGAU2AsCpVmsB7pN5","https://folio.openlegalstandard.org/RBfcsZ2JrzHrZiwoKzHGWth"],"comment":null,"deprecated":false,"preferred_label":null,"alternative_labels":[],"translations":{},"hidden_label":null,"definition":"A credit report is a detailed record of an individual's or entity's credit history, including information about their borrowing and repayment activities, outstanding debts, and any instances of late payments or defaults. Lenders and financial institutions use credit reports to assess the creditworthiness of a borrower before extending credit or loans.","examples":[],"notes":[],"history_note":null,"editorial_note":null,"in_scheme":null,"identifier":null,"description":null,"source":null,"country":null}