A rating report might be prepared for an individual or for a company. A credit report for an individual is a detailed breakdown of an individual’s credit history prepared by a credit bureau. Credit bureaus collect financial information about individuals and create credit reports based on that information for lenders. Reporting companies collect information about consumers’ personal financial details and their bill-paying habits to create a unique credit report, including personal information such as the individual’s current and previous addresses, numbers and employment history, credit history summary such as the number and type of bank or credit card accounts that are past due or in good standing, and detailed account information related to high balances, credit limits and the date accounts were opened. A rating report for a company might be much more comprehensive, since it covers information on rating drivers, recent developments and scenarios, performance update, key credit factors, commentary on various factors concerning the company, business risk profile and financial risk profile.