Your credit report is a history of your utilization of credit.  Every credit account you have opened using your social security number is on your credit report, with the exception of accounts, which have been, closed and inactive for over seven years.  Some of your monthly bills aren’t on there, such as utilities and such, but these accounts can indeed wind up on your credit report if they go unpaid.  Each account has different details on it. 

The credit report lists what type of credit account something is, such as a revolving account like a credit card or instead an account which is fixed, such a car loan or personal loan.  The report lists when the account was opened, what the monthly payment is, any available credit, and if the account was ever late.  If a credit account was at one time late the report will state how many times it was late, and how delinquent the account was.  For example, an account might be listed as having been sixty days late two times during the life of the account.  Take heed: this means that one late payment, even if it is only thirty days late, will effect not only your credit score but also how creditors view your potential to pay as scheduled.  Based on several factors you are assigned a credit score. 

Some lenders look at solely the credit report, while others look at the credit report as a whole.  You can rest assured that if you have failed to pay your bills in the recent past then this will be glaringly obvious to anyone who pulls a copy of your credit report.