Question

.

A credit report:

never needs to be verified

records only negative reports, late payments, overdrawn accounts, etc.

will not determine what kind of car you can drive and what you can buy.

determines your credit score, a summary of your past and current credit usage predicting your future credit performance.

Answer 1

you have to determine your credit score before you can do anything 

Answer 2

determines your credit score, a summary of your past and current credit usage predicting your future credit performance.