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Financial

What your credit score is made of

A short read

What a credit score is

A credit score is a three-digit number. It guesses how likely you are to pay back money you borrow. A lender looks at it first. Then they decide whether to lend to you, and at what rate.

lender
A bank, store, or company that lets you borrow money and pay it back later.

Sources

  • Consumer Financial Protection Bureau (CFPB)
  • myFICO / FICO
  • ficoscore.com
  • Government of Canada — Financial Consumer Agency of Canada
  • Experian
  • American Express Credit Intel