What Is a Credit Score

Measure of Risk

A credit score is a measure of credit risk, or the risk of default you represent to lenders. Someone with a high credit score, typically 720 or above, is considered a good credit risk, meaning minimal risk of default exists. Conversely, someone with a poor credit score, usually 620 or less, is considered a poor credit risk, meaning the risk of default is high. Of course, lenders are more apt to loan to consumers who are good credit risks because they are less likely to lose money doing so. People with good credit scores also tend to receive better interest rates and terms than those with poor credit. If you would like to know more about what a credit score is and how it relates to your credit report, read on.

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This site is dedicated to providing answers to the question what is a credit score in addition to offering complimentary credit reports to visitors. Credit scores are derived from the information contained on credit reports, which is why viewing your report on a regular basis is so important. For one, viewing your report allows you to check it for errors that could be dragging down your score. Secondly, your report will show you what areas of your credit you can work on in order to make yourself more attractive to lenders. For instance, your report may indicate that you have unpaid credit card bills that you could take care of in order to improve your score. Finally, reviewing your credit report will help you spot the red flags of identity theft, such as unauthorized accounts, address changes, and more.

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When you sign up on our site, we can provide you with a free copy of your credit report. You can view your payment history and other account information to determine where you stand with your creditors. To see your report, provide your contact information on our online form now.