Which document contains information regarding an individual's credit history and status of open credit accounts?

The document that contains information regarding an individual's credit history and the status of open credit accounts is the credit report. This report is a comprehensive summary that includes details of an individual's credit activity, such as payment history, existing debts, and accounts, as well as any public records related to credit, such as bankruptcies or liens.

Credit reports are used by lenders to evaluate the creditworthiness of a borrower, helping them decide whether to approve a loan or credit application. It is essential for prospective borrowers to review their credit reports for any inaccuracies or issues that could impact their ability to secure financing.

Other documents listed in the question serve different purposes. A credit disclosure typically refers to the information provided by lenders regarding the terms and conditions of credit products but does not summarize credit history. A loan statement generally outlines the current status of a specific loan, such as balance and payment activity, while a mortgage application is the document a borrower submits to request a mortgage, outlining their financial situation but not detailing credit history in the same manner as a credit report.