Three important details of a credit report are your personal information, how much you spent or owe, and the bank who reviews your credit report. The bank has access to your credit report to see if you can be approved for a loan. Business entities, like car dealerships, also have access to your credit report to see if you are responsible and trusting enough to keep your credit in check before they will sell you a car or vehicle. You can obtain your free credit report from your local bank or use a credit report website such as experian.com