Credit reporting is a bit complicated, and, despite some rumours to the contrary, credit reports and credit scores are two different things. Your credit reports are made up of the information that’s been reported about you by lenders you’ve had relationships with. The credit score, then, is like a numeric summary of your credit report, providing an easy summary of the information that is relevant to the lender. Learn more about credit reports and scores in our Q&A video with credit expert John Ulzheimer.
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