Which of the following would not be found on a credit report?

A credit report is a detailed document that provides information about an individual's credit history, which is used by lenders to evaluate creditworthiness. Various elements contribute to the contents of a credit report, including payment history, outstanding debts, and public records.

Payments made to creditors who do not report data to the national consumer reporting agencies would not appear on a credit report because credit reporting agencies rely on the data provided by creditors that participate in the reporting system. If a creditor does not send data to these agencies, then any payment history or outstanding balance associated with that creditor remains unreported, thus not reflected in the credit report.

In contrast, outstanding debts from credit cards, public records such as bankruptcies, and account payment history are all standard components found in a credit report. These elements are essential for lenders, as they provide a comprehensive view of an individual's financial behavior and responsibility.