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Individual credit reports contain personal information as well as the credit history of every consumer in the nation.  Bankruptcy, tax liens, foreclosure and other public records are also included in your credit report.Lenders, insurers, potential employers and landlords check credit reports to see whether an applicant is qualified or not.  This is why having a good credit history gives you the advantage of getting easy approval.  More importantly, it gives you the advantage to negotiate with prospective lenders and ask for more reasonable repayment terms.The three major credit bureaus that issue consumer credit reports are Experian, Equifax and TransUnion.  By ordering a copy of your report (at least twice a year) from each of these bureaus, you can ensure that you report contains accurate information.