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Your credit report

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What is a credit score?

Credit reporting agencies review the credit information they have about you and then use a formula to give you a credit score. This can range from a low score of 300 to a high score of 900.

Your credit score, which is sometimes called your credit rating, is supposed to show whether you are likely to pay your bills on time or repay a debt if someone gives you credit.

Lenders, landlords, and other businesses will look at both your credit score and any personal information they get about you from the credit reporting agency.