Credit reports and credit scores are different. The credit report contains information used by credit bureaus to determine a credit score. This information typically includes payment history on each account, other information contained in public records, and account summaries. Credit scores predict how likely you are to repay a debt. The credit score gives a numerical score, an explanation of what the score means, and the top reasons your score was not higher. This could be as many as 4 or 5 reasons.
Learn more about these differences, and ways to improve your credit report and score, in this section of our website and in the Federal Trade Commission’s guide to building a better credit report.