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Your credit score is a three-digit number that represents your creditworthiness and helps lenders determine how risky it is to lend you money. It is a crucial factorin your financial life as it can affect your ability to get approved for loans, credit cards, and even determine the interest rates you will pay. Credit scores typically range from 300 to 850, with higher scores indicating a lower credit risk.
The most commonly used credit scoring model is FICO, developed by the Fair Isaac Corporation. Factors that impact your credit score include your payment history, amounts owed, length of credit history, new credit, and types of credit used.
