A credit score in the United States is a number representing the creditworthiness of a person, the likelihood that person will pay his or her debts.

Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers. Widespread use of credit scores has made credit more widely available and less expensive for many consumers.

Reviewing credit reports helps you catch signs of identity theft early.

People with good credit should check their credit reports too. Regular checks ensure the information stays accurate.

Learn more and acquire this valuable knowledge:

• FICO score

• Other Credit scoring models

• Free annual credit report

• Learn how to improve your credit score now!