What aspect of credit is primarily reported in a credit report?

The primary focus of a credit report is to provide a detailed overview of an individual’s creditworthiness, which includes key components such as credit scores, debts, and payment history. Credit scores are numerical representations of an individual's creditworthiness and are calculated based on their credit history and other relevant factors. Debts reflect the outstanding balances on credit accounts, loans, and other forms of credit. Payment history is crucial, as it details whether the individual has made payments on time or has missed due dates, which directly impacts their credit score and overall credit standing.

In contrast, job history and income, personal statements, opinions, and bank account balances do not typically appear on a credit report. While income and job history may be relevant in evaluating an applicant's ability to repay a loan, they are not part of the credit report itself. Personal statements and opinions are subjective assessments and are not factual data included in credit reports, and bank account balances reflect asset information, which is separate from creditworthiness. Therefore, the comprehensive details related to credit scores, debts, and payment history make this the correct answer regarding what is primarily reported in a credit report.