What information does a credit report disclose about individuals accessing it?

A credit report provides a comprehensive view of an individual's creditworthiness, including a record of inquiries made into their credit history. When someone pulls a credit report, that action is recorded, allowing the individual to see who has accessed their credit information in the last two years. This is crucial as it helps consumers understand the level of scrutiny their credit is under and can also indicate potential identity theft if there are unfamiliar inquiries.

While the other choices touch on elements that may be related to financial history, they do not accurately reflect what is disclosed in a standard credit report. Current loans and specific account balances may be available in different documents, but the report specifically highlights inquiries made by lenders or other entities as a key data point. Additionally, detailed purchase histories are generally not included in credit reports, as they focus more on credit transactions rather than every purchase made by the individual.