Credit bureaus primarily track which of the following?

Credit bureaus primarily track credit history because they are responsible for collecting and maintaining information about an individual's borrowing and repayment behaviors. This includes details such as the types of credit accounts held, payment history, any defaults or late payments, credit inquiries, and credit limits. This comprehensive record helps lenders assess a borrower's creditworthiness when they apply for credit, loans, or other financial services.

While other factors like employment status and income levels can influence a lender's decision, they are not tracked or reported by credit bureaus. Loan availability is also not in the purview of credit bureaus, as that relates to the lending policies of financial institutions rather than individual credit history. Thus, the focus of credit bureaus on credit history is essential for understanding how individuals manage their financial obligations and their ability to obtain new credit.