English/Business Question: what is more correct “this will negatively affect your credit report”?

Neil V: English/Business Question: what is more correct “this will negatively affect your credit report”?
or “this will negatively affect your credit history”. or “this will damage your credit report”?
I need to send this to a tenant who is not paying rent. THANKS.

Answers and Views:

Answer by Sausage Mahoney
Like all bad weather spells and peach pits, this too shall pass.

Answer by eddeux
This will negatively affect your credit history is the correct one. Credit report is just what your credit score is, credit history is well…all the bills you’ve paid in your life.