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The information provided on your personal credit report applies only to you. If you are married, joint items will be found on the report, but anything that is only in your spouse's name will not show up. This way when a creditor is looking at extending you additional credit, they look at all of the information available about only you. Credit reports are used to share all aspects of your personal credit history with interested parties. If you are a small business owner, your personal credit report may also be used when determining whether or not to lend money to your company.