Credit Score vs. Credit Report: What's the Difference?

Here's what you need to know about your credit score vs credit report.

Image of someone holding their phone and checking their credit report and credit score.
(Image credit: Getty Images)

Your credit score and credit report can help you make sense of your overall credit history and get a better understanding of your creditworthiness. Both can illustrate what kind of borrower you are, which is why they're used by lenders to determine whether or not to extend you a line of credit, like a credit card. However, the two aren't the same. Here's what you need to know about the differences between your credit score and credit report.

Credit score vs credit report: the takeaway

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Erin Bendig
Personal Finance Writer

Erin pairs personal experience with research and is passionate about sharing personal finance advice with others. Previously, she was a freelancer focusing on the credit card side of finance, but has branched out since then to cover other aspects of personal finance. Erin is well-versed in traditional media with reporting, interviewing and research, as well as using graphic design and video and audio storytelling to share with her readers.