Credit reports and credit scores are different. The credit report contains specific information used by credit bureaus to determine a credit score. This information includes payment history on each account, other information contained in public records, and account summaries. Credit scores predict how likely you are to repay a debt. The credit score gives a numerical score, an explanation of what the score means, and the top 4 or 5 reasons your score was not higher.
Learn more about these differences, and ways to improve your credit report and score, in the Federal Trade Commission’s guide to building a better credit report.