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Credit Scores and Credit Reports

🕒 Last modified 2026-10-23 23:42 UTC

A credit report is a record of how you have handled credit; a credit score is a number calculated from that report to predict how likely you are to repay.

1. Key points

Common factors include payment history, amounts owed relative to limits, length of credit history, new credit and types of credit.
You can get free credit reports from Equifax, Experian and TransUnion at AnnualCreditReport.com.
Checking your own report or score does not lower your score.
You can dispute errors directly with the credit bureau and the company that reported them.

2. Scores vs. reports

There are many scoring models (such as FICO and VantageScore), so your number can differ between apps. The underlying report is what matters, so review it for mistakes.

References

official Credit reports and scores — Consumer Financial Protection Bureau
official AnnualCreditReport.com — Central Source LLC (authorized by federal law)
official Disputing Errors on Your Credit Reports — Federal Trade Commission

A cited source does not by itself make every claim verified.

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1. Key points

2. Scores vs. reports

See also

References

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