What is the primary product sold by a credit bureau?

The primary product sold by a credit bureau is information on the creditworthiness of an individual applicant. This involves compiling and analyzing data from various financial institutions and public records to create a comprehensive credit report. These reports assess an individual's ability to repay loans based on their credit history, current credit usage, payment history, and overall financial behavior. Lenders rely on this information to determine the risk associated with lending money to potential borrowers.

The other options relate to information that may be relevant in certain contexts but do not represent the core offering of a credit bureau. Pending judicial actions could be part of the data considered in a credit report but are not the primary focus. Public records of past criminal and civil hearings may provide context but are not the fundamental product sold. Current income statistics on similar borrowers, while useful in assessing risk, are not the primary output of a credit bureau, which is more focused on individual credit histories.