The process by which credit reports are created includes all pf the following except: a. the lender reports customer history to the credit reporting agency. b. the credit reporting agency processes and collects information. c. the customer history is sent to the Internal revenue Service to assure proper tax payments. d. the credit reporting agency creates a customer credit history called a credit report. The credit report generally includes which of the following information? a. Consumer (personal) information. b. Credit account and inquiry information. c. Public record information. d. All of the above. Credit account information will include all of the following except: a. borrower income information. b. type of credit (open-end vs. closed). c. loan amount or credit limit. d. account balance and payment history