A credit report can be viewed as a report card of your credit history as a consumer. The credit score is a formula used to determine how much of a credit risk you are. The lower the number the greater the risk you are.
Credit reports are a detailed history of your credit use. The data in them is used to calculate your 3-digit credit scores. When you apply for a credit card, apartment rental, mortgage or car loan, two things help would-be lenders assess the likelihood that you'll pay as agreed: your credit scores and credit reports.
Perceptual set is the tendency to perceive certain things and ignore others, in this case Jill is known as a 'selector' because she has certain expectations and focuses her attention on the loud children instead of the quiet ones.
