Which of the following best defines credit history?

Credit history is best defined as a record of an individual's borrowing and repayment activities. This encompasses various details including past loans, credit card accounts, payment records, and whether payments were made on time. Lenders use this information to assess the creditworthiness of an individual, influencing decisions on loan approvals, interest rates, and credit limits.

The other choices do not capture the complete essence of credit history. A list of all available credit cards does not provide information about payment history or borrowing habits. The score assigned by lenders, while related to credit history, represents a numerical summary based on that history rather than the history itself. A summary of current financial obligations focuses more on what an individual owes rather than how they have historically managed their credit. By encompassing all aspects of borrowing behavior, option A provides the most comprehensive definition of credit history.