What is a Credit Score?

Find out how credit scores are calculated & the important information you should review. [Duration- 2:06]

What you will learn:

  • Your credit score is a 3-digit number that represents the status of your credit report
  • Lenders use credit scores as one factor when making certain decisions
  • Generally, the higher your credit score, the higher the likelihood that you will demonstrate good payment behavior
  • There's no quick fix for a credit score that isn't excellent
  • But with the right tools, education, and habits, you can get on the right track


Coming Soon

Lock & AlertTM Launching
January 31, 2018

Learn about the Lock & Alert service and help control who has access to your Equifax credit report for free, for life.1

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  1. Locking your Equifax credit file will prevent access to your Equifax credit file by certain third parties. Locking your Equifax credit file will not prevent access to your credit file at any other credit reporting agency. Entities that may still have access to your Equifax credit file include companies like Equifax Global Consumer Solutions which provide you with access to your credit report or credit score or monitor your credit file report; federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com.