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A credit score is a three-digit numerical representation of your creditworthiness, typically ranging from . It acts as a financial "snapshot" that tells lenders how likely you are to repay borrowed money on time. Core Components of a Credit Score

: The most critical factor; it tracks whether you pay bills on time. credit-score-complete

: Considers the age of your oldest account and the average age of all accounts. A credit score is a three-digit numerical representation

Most scoring models, including the widely used FICO Score (used by 90% of top lenders), calculate your score based on five key factors: credit-score-complete

What is a credit score? | Consumer Financial Protection Bureau