What type of information might be included in a credit report?

A credit report primarily focuses on an individual's financial behavior and creditworthiness. It typically includes personal identifying information, such as date of birth and employment history, which are essential for creditors to assess an applicant's stability and reliability. This information helps lenders make informed decisions regarding credit applications.

While personal preferences in spending, criminal history, and home address with family background may provide context about an individual, these are not standard inclusions in a credit report. A credit report focuses on factors like payment history, outstanding debts, and credit inquiries rather than personal habits or criminal background, making the inclusion of date of birth and employment history particularly relevant for understanding a person's financial reliability.