The Credit Report is a detailed account of a customer’s borrowing with all current credit providers and their performance. The Credit Report lists all the credit accounts (both past and present) and the repayment history of each account.The Credit Report is used by ALL lenders to determine whether to approve credit facilities. As such it is important to check your credit report at least once every 6 months if you are not actively borrowing. You are advised to check your credit report every month if you are actively borrowing.