A credit report is a detailed record of a person's credit history that includes information about their borrowing and payment habits.
Credit reports are used by Creditors and other financial institutions to evaluate a person's "creditworthiness" and ability to repay a loan or credit.
They are written by Credit Reporting Agencies, also known as credit bureaus, by collecting information from various sources, such as banks, credit card companies, and other financial institutions.
After a death, a credit report may be needed to help settle the deceased's Estate and ensure their debts have been repaid because it identifies identify their outstanding debts, loans, credit cards, and other financial obligations.
Additionally, a credit report can also help prevent fraud or identity theft. A deceased person's information may be used to open new credit accounts or make fraudulent charges, but their credit report can help identify unauthorized activity.