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A credit report reflects how you manage payments and activity for accounts such as car loans and credit cards. Your credit score is calculated based on the report and provided to lenders who are considering whether or not to extend credit to you.
Depending on the model used, credit scores can range from 300 to 850. Typically, good credit scores start at 700; a score of 800 or more is considered excellent.
Each time you apply for a new loan or credit card account, the lender must decide whether or not to approve your request and how much credit they will extend to you. Lenders use your credit report and score to evaluate your financial reliability.
Showing a consistent payment history is essential for maintaining good credit scores, as is the length of time you've been managing your accounts and any fees or penalties you've received for late payments.