To put it simply, a credit report is a list of all transactions you have made effecting your credit. Your credit score is a numerical value attached to your credit report that makes it easier for banks and other credit based services to decide whether or not you have a good enough credit history to give you whatever it is you are applying for. Your credit score is your credit report wrapped up in one easy number for people to understand.
It is a product invented by financial companies to make it easier for creditors to get a snapshot of your creditworthiness. free annual credit reports Those making decisions based on your credit do not need to pour through your financial history. Instead, they get a quick number from another company. It may seem a bit unfair that the credit agencies can give out free credit report gov Missoula information about your credit history and even deny you access to that information. credit report online However, remember that it is a system put in place to free credit report gov Missoula maintain order in the financial world. When you apply for credit, you agree to let the creditor access your credit history. By extension, you are authorizing another company to look at your history and assign a score to your free credit report gov Missoula financial history. Credit Score versus Credit Report The biggest difference between your credit report and credit score is that one can be attained free and the other cost money to view. get your free credit score The free credit report gov Missoula long detail listing cost absolutely nothing to view.
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