Wikipedia free credit report

Numerical expression representing a person's creditworthiness

This article is about credit scores of individuals. For the application of this concept to organizations, see credit rating. For China's system for trustworthiness, see Social Credit System.

A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual.^[1] A credit score is primarily based on a credit report, information typically sourced from credit bureaus.

Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits.^[2] Lenders also use credit scores to determine which customers are likely to bring in the most revenue.

Credit scoring is not limited to banks. Other organizations, such as mobile phone companies, insurance companies, landlords, and government departments employ the same techniques. Digital finance companies such as online lenders also use alternative data sources to calculate the creditworthiness of borrowers.^[3][4]

By country

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Credit score in the United States

The factual accuracy of parts of this article (those related to credit scoring models) may be compromised due to out-of-date information. The reason given is: References to "credit bureau branded" credit scores, like Beacon, NextGen, and Pinnacle are obsolete. Current nomenclature is a numbered FICO model with an optional industry type. If old names are to be included for historical purposes, they should be in a separate "history" section.. Please help update this article to reflect recent events or newly available information.(September )

A credit score is a number that provides a comparative estimate of an individual's creditworthiness based on an analysis of their credit report.^[1] It is an inexpensive and main alternative to other forms of consumer loan underwriting.

Lenders, such as banks and credit card companies, use credit scores to evaluate the risk of lending money to consumers. Lenders contend that widespread use of credit scores has made credit more widely available and less expensive for many consumers.^[2][3] Under the Dodd-Frank Act passed in , a consumer is entitled to receive a free report of the specific credit score used if they are denied a loan, credit card or insuran

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