Do you ever get credit reports and credit scores mixed up? If so, you’re not alone. Many people believe they both are one in the same when in actuality they are quite different. Here are the differences…

A credit report is a detailed tracking of your credit history. It shows your financial activity dating back from the very beginning of your credit history.

A credit score is the overall number you get based on how your credit report looks. Lenders use it to determine whether or not you’re trustworthy. They also use it to determine the interest rate. These are the primary differences between a credit report and a credit score.

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