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Credit Score Explainer

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A credit score is a three -digit number that predicts how likely you are to pay back a loan on time, based on information from your credit reports.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.

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Credit Score Explainer

  1. 1. See more about managing credit at consumerfinance.gov Scores are calculated at different times, in different ways A score uses data from a credit reporting company, and each may have slightly different data: n Equifax n Experian Companies have created multiple versions of their scoring models and update them frequently: n FICO n VantageScore n Other custom models Your scores are not calculated on a fixed schedule, so they depend on: n When data is updated at a reporting company n When your score is actually calculated You have many different credit scores It’s normal to see slightly different numbers Your credit history and behavior form the basis of your credit scores You saw your credit score online, provided by your credit card company You signed up for a separate, free credit monitoring service, and checked your score there Your auto lender showed you the credit score it used to evaluate your loan application % of available credit used Current unpaid debt New applications for credit Payment history Length of credit history TIP: The way you use and repay debt affects your credit score, so your score can be helpful in tracking and improving your credit use and behavior. Paying loans on time and staying well below your credit limit helps you get and keep good credit scores. Type of debt and when it started TIP: At a given point in time, lenders are probably looking at slightly different scores than the ones you see. EXAMPLE: EXAMPLE: EXAMPLE: Timing Scoring modelsCredit report data TIP: Parts of the credit score business are beyond your control. What you can do is make it a habit to check your credit reports each year through annualcreditreport.com and fix any errors. n TransUnion n Others 726 698 711

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