Credit History
Credit history is a record of how promptly a person pays back loans, credits, etc, over time. (Collins English Dictionary)
A credit history is report on your repayment of debts and demonstrated responsibility in repaying them. It is recorded in your credit report, which details the number and types of your credit accounts, how long each account has been open, amounts owed, the amount of available credit used, whether bills are paid on time, and the number of recent credit inquiries. Your credit report also contains information regarding whether you have any bankruptcies, liens, collections, or judgments. All consumers are guaranteed access to their credit history via a credit report. (Investopedia)
A borrower's credit score is the result of a mathematical algorithm applied to a credit report and other sources of information to predict future delinquency. A credit report is a record of the borrower's credit history from a number of sources, including banks, credit card companies, collection agencies, and governments. (U.S. News & World Report)
Collins English Dictionary. HarperCollins Publishers, Retrieved from: https://www.collinsdictionary.com/dictionary/english/credit-history
Bond, C., Hayes, E., & Evitt, M. (2023, June 16). Everything You Need to Know About Credit Scores. US News & World Report. Retrieved from: https://money.usnews.com/credit-cards/articles/everything-you-need-to-know-about-credit-scores
Team, I. (2023, March 31). What is a credit history? Impact on scores and credit report. Investopedia. Retrieved from: https://www.investopedia.com/terms/c/credit-history.asp