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A credit report is a statement with details about your credit activity, loan paying history and the current status of your credit accounts. It does not talk about your income or savings or insurance. It's all about your credit, what you owe, how much you have borrowed etc. Getting calls about taking up a loan from random tele-callers are noted as enquiries if you've agreed to the loan. Unnecessary loan enquiries work against you. So be cautious about maintaining your credit history because lender will check credit report before approving a loan.