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My Credit Score

What is a Credit Score?

A credit score is a number calculated using information from your credit history. The credit history information comes from credit reporting agencies. Credit scores represents your creditworthiness and indicate the likelihood that you will repay a debt as agreed. They are widely used by lenders. If you have car insurance, a loan or credit cards, the preimums you are paying and your interest rate may be determined in part by your credit scores.

What Does My Credit Scores Mean?

Credit scores are numbers lenders use to help them decide how likely it is that they will be repaid on time if they give you a loan or a credit card. Credit scores also are called risk scores because they help lenders assess the risk that you won’t be able to repay the debt as agreed. Your scores are generated by statistical models using elements from your credit report. However, a credit scores are not stored as part of your credit history. Rather, scores are generated at the time a lender requests your credit report and are delivered with the report.

How Do I Improve My Credit Score?

At, we provide helpful information on how to raise your credit score:

Find out your FICO® Score*.

Get your 3-Bureau Credit Report & FICO® Scores with personalized analysis instantly. Know where you stand no matter which credit reporting agency your lender checks.

* Introductory price of $4.95 for your first month of access, then just $19.95 each additional month. Cancel anytime if not satisfied.

Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Learn More.

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