How Is A Credit Score Different From A Credit Report?

Your credit score is a simple 3-digit number that is used by lenders, landlords, employers, and others to quickly judge your reliability of creditworthiness, fiscal responsibility, and overall character. A high credit score can help you lock in low APR rates or secure special deals on loans.

A low credit score may prevent you from securing loans and can damage your ability to buy a car, open a credit card, rent or buy a home. A history of inability to manage your credit successfully will make lenders uncomfortable trusting you with additional funds in the future.