Credit reports vs. credit scores
Your credit report is a detailed summary of your borrowing and repayment history that potential lenders and creditors look at to determine how likely you are to repay your credit cards and loans on time.
Whereas your credit score is a three-digit number, typically ranging anywhere from 300 to 850, that represents your credit rating and signifies your overall risk as a borrower. The higher the number, the less likely you are to default on credit and loan payments.