Credit bureaus acquire their information from data providers, which can be creditors, debtors, debt collection agencies, vendors or offices with public records (court records, for example, are publicly available). Most credit bureaus focus on credit accounts however some also access more comprehensive information including payment history on cell phone bills, utility bills and more. Credit bureaus maintain all of this information in a comprehensive credit report, which can be used in a range of methodologies to calculate a credit score for individuals based on their credit history. Scores provide lenders with information that helps them determine credit approval and appropriate interest rates for borrowers. Borrowers with higher credit scores will likely have a lower interest rate on their loan.