Definitions for "Credit record"
National grading system filed by subject's name, birth date and social security number. Major companies providing these services include TRW, TransUnion and Equifax.
a medium term history of your ability and attitude towards paying debt
A record of any card or loan that you hold, held in the past, or for which you have applied. It also includes the credit limit and your payment history.
Your details held by a credit reference agency. It will include whether you appear on the Electoral Roll, your name and address from the Electoral Roll, how you have handled previous credit, and any other credit checks made about you.