Credit Scores: You Do The Math

What is a credit score?

Credit scores are tools used to predict an outcome, most commonly repayment of a debt. Credit scores look at an individual’s credit history and calculate the relative risk that the individual will not fulfill the terms of an agreement based on their past performance.

The scores are based on the information in an individual’s credit report at a point in time but are not a part of the credit report itself.

It is important to remember that a credit score is only one tool used by lenders and other companies in their decision making process.


Produced in cooperation with Experian

A World of Different Scores
Knowing Your Score
What a Score Really Means
What Goes Into a Score
Calculating Your Score
How to Improve Your Score