RedditA credit score is a number that is calculated based on your credit history to give lenders a simpler “lend/reject” answer for people who are applying for credit or loans. This number helps the lender identify the level of risk they may be taking if they lend to someone. Although there are several scoring methods, the score most commonly used by lenders is known as a FICO because of its origins with Fair Isaac and Company. Each of the three major credit bureaus (Experian, Equifax and TransUnion) worked with Fair Isaac in the early 1980’s to come up with the scoring method.
Your credit score is calculated in a weighted formula. It uses the information in your credit report. The number itself can range from 300 to 900. The formula for exactly how the score is calculated is proprietary information and owned by Fair Isaac.
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