A credit report will contain all of the following information, except what?

A credit report is a comprehensive document that provides details about an individual's credit history and financial behavior. It includes information that helps lenders assess creditworthiness. Among the types of information typically found in a credit report are public records, which may include bankruptcies or tax liens; credit inquiries, which list instances where lenders have checked the individual's credit; and account history, detailing the status of various accounts, payment history, and current balances.

Spending patterns, however, are not included in a credit report. This aspect pertains more to an individual's budgeting and personal finance habits rather than their creditworthiness as assessed through credit reports. Credit reports focus solely on credit-related activities, omitting day-to-day spending behaviors that do not directly impact credit scores or lending decisions. Understanding the distinction between what constitutes a credit report and personal spending habits is crucial for interpreting creditworthiness accurately.