What is the difference between a credit score and a credit report?

A credit report shows a history of your credit activity and is used to calculate your credit score. Lenders will often pull a copy of your credit report alongside your credit score when determining whether to give you access to a new account. A credit report is made up of the following sections:

  • Personal information (name, address, Social Security Number)
  • Account history (name of the creditor, your payment history, credit limit, and the account balance)
  • Public records (liens, bankruptcies, foreclosures)
  • Inquires (an overview of when your credit report has been requested and who made the request)

A credit score is a 3 digit number that ranges from 300 to 850. Lenders and landlords use this number to predict how you’ll handle credit in the future based on how you’ve managed your credit in the past. Your credit score can impact your ability to access goods and services like getting approved for loan or renting an apartment. A credit score has the following characteristics:

  • A 3 digit number between 300-850
  • Changes based on the information on a credit report
  • Can be accessed for a fee

Wondering how you can access your credit report? Visit our following articles to learn more: How can I access my credit report?

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