Lenders use scores to predict the likelihood that you will repay debt.
(e.g., applying for a loan) can slightly lower your score. credit report with score
A credit report with a score provides a comprehensive overview of your financial reliability. While the is a detailed history of your borrowing and repayment behavior, the credit score is a three-digit numerical summary (typically 300–850) derived from that data. Key Components of a Credit Report Lenders use scores to predict the likelihood that
A record of who has accessed your report in the last two years. While the is a detailed history of your
(e.g., checking your own score) do not affect it.
Details on credit cards, mortgages, and auto loans, including account balances, credit limits, and payment history.
Credit reports are maintained by three major bureaus— Equifax , Experian , and TransUnion . They generally include: