Your credit report tells people your history of borrowing money and paying it back. It is put together using statements provided by your creditors and from public records such as court documents. Credit bureaus compile the data for potential creditors, employers, and others who can show they have a legitimate business reason to ask for it. (By law, you can call the toll-free number for each of the credit bureaus and demand that they only give out your credit report with your permission.) Credit bureaus do not approve or reject you as a credit risk. 

Most bureaus also provide an index or score of your credit record, but it's the lender that decides how "credit worthy" you are. Some institutions are very conservative while others deal with high risk clients.

Ironically, if you don't use credit cards much and pay your bills in full each month, you may not have much of a credit history. You are invisible to them. They want to know how you repay big loans and you don't have a track record for that.

Welcome to America where only those habitually in debt can get money.