US Medical Term · financial
Credit Report
Informe de Crédito
In 9 languages
| Language | Term |
|---|---|
| English | Credit Report |
| Spanish (Español) | Informe de Crédito |
| Chinese (中文) | 信用报告 |
| Korean (한국어) | 신용 보고서 |
| Vietnamese (Tiếng Việt) | Báo cáo tín dụng |
| Filipino (Tagalog) | Ulat ng Kredito |
| Portuguese (Português) | Relatório de Crédito |
| Thai (ภาษาไทย) | รายงานเครดิต |
| Japanese (日本語) | 信用調査報告書 |
What it means
A credit report is a detailed record of your borrowing history and financial behavior, compiled by credit bureaus such as Equifax, Experian, and TransUnion. It includes your open and closed credit accounts, payment history, amounts owed, length of credit history, and any negative items such as collections, bankruptcies, or judgments. Medical debt that has been sent to collections may appear on your credit report and negatively affect your credit score, though major credit bureaus have begun removing paid medical collections and smaller medical debts under certain thresholds. You are entitled to a free report from each bureau once every 12 months at AnnualCreditReport.com. Review your report regularly to catch errors—particularly medical debt entries—and dispute inaccuracies in writing.
How to say it
Sentences a patient might use with a doctor, nurse, pharmacist, or insurer:
I pulled my credit report and found a medical collection I didn't recognize.
Revisé mi informe de crédito y encontré una deuda médica en cobros que no reconocí.
You can get a free credit report from each bureau once a year at AnnualCreditReport.com.
Puede obtener un informe de crédito gratuito de cada agencia una vez al año en AnnualCreditReport.com.
The hospital reported my unpaid bill to the credit bureaus, which hurt my credit report.
El hospital reportó mi factura impaga a las agencias de crédito, lo que dañó mi informe de crédito.
Where you'll see it
Related terms
Sources
Last reviewed: September 2026