 TITLE: Your 9 Most Common Credit Questions, Answered CONTENT: What Is the Difference Between a Credit Score and a Credit Report?\n------------------------------------------------------------------\nYour credit report provides a detailed record of your credit and payment history. It shows how much debt and how many open accounts you have (and with whom), how long you have been managing credit accounts, and a historical record of how and when you've paid your bills. You may have credit reports with one or more of the national consumer credit bureaus: Experian, TransUnion and Equifax.\nWhile your credit report provides lots of information on your credit account management, a credit score is a single number calculated using the information in your credit report. Credit scores are calculated by credit scoring companies including FICO® and VantageScore and typically range from 300 to 850.\nLenders and credit card companies use both your credit score and report to determine how well you manage credit and how much risk they assume when they offer you a loan or credit card.\nFor more, see:\n*   What Is a Credit Report?\n*   Understanding Credit Scores\n*   Do Credit Reports Include Credit Scores?\n*   Can I Have a Good Credit Report, but a Bad Credit Score? END