Which of the following is typically not included in a credit report?

A credit report is a detailed document that provides information about a consumer's credit history, including elements like payment history, outstanding debts, and details about employment. However, it does not typically include a person's annual income.

The primary purpose of a credit report is to assess the creditworthiness of an individual, which relies heavily on how they've managed their credit in the past (the payment history and outstanding debts). While employment history may be included, it might not specify exact income amounts. Conversely, annual income is a factor often requested during the mortgage application process but is not part of the credit report itself; lenders might use other documentation or applicant disclosures to ascertain income levels. Thus, it is the annual income that is not typically reflected in a credit report.