Which of the following is NOT a component of a credit report?

A credit report is a comprehensive record that reflects an individual's credit history and current credit status. It typically consists of several key components, including payment history, credit accounts, and inquiries.

Payment history is a crucial part of a credit report, as it details whether an individual has paid their bills on time and how often they've missed payments. This information has a significant impact on one's credit score.

Credit accounts encompass the various credit lines an individual holds, such as credit cards, mortgages, and loans. This section provides insight into the total amount of credit available and the usage of that credit.

Inquiries are recorded each time a lender reviews an individual's credit report for a lending decision. This can include both hard inquiries, which occur when applying for a new credit line, and soft inquiries, which typically happen during background checks not associated with a credit request.

While employment history may be included in some loan applications or financial assessments, it is not a formal component of a standard credit report. Credit reports focus on an individual's financial behaviors and patterns, making employment history, which is related more to income and job stability, not a necessary element within the report itself. This is why the correct option is identified as the component that does not belong in a credit report.