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Navigating Credit: Credit Report Vs. Credit Score Explained
Manage episode 455221457 series 3576016
Innehåll tillhandahållet av The Credit Pros. Allt poddinnehåll inklusive avsnitt, grafik och podcastbeskrivningar laddas upp och tillhandahålls direkt av The Credit Pros eller deras podcastplattformspartner. Om du tror att någon använder ditt upphovsrättsskyddade verk utan din tillåtelse kan du följa processen som beskrivs här https://sv.player.fm/legal.
A credit score is a numerical representation of creditworthiness, ranging from 300 to 850, while a credit report details an individual's credit activity, including loans, payments, and defaults. Credit scores are calculated based on payment history, amounts owed, length of credit history, credit mix, and new credit inquiries. Each factor contributes differently to the score. Credit reports, which don't include a score, provide a comprehensive history and are crucial for lenders to assess risk. Individuals can obtain a free credit report annually from each of the three major bureaus via the government-run website.
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