A credit score is a number based on a statistical analysis of a person's credit files, that in theory represents the creditworthiness of that person, which is the likelihood that people will pay their bills. A credit score is primarily based on credit report information, typically from one of the three major credit bureaus: Experian, TransUnion, and Equifax. Income and employment history (or lack thereof) are not considered by the major credit bureaus when calculating credit scores.
The Credit Score Tool is a web-based feature designed to help users understand, track, and improve their creditworthiness. It provides a detailed breakdown of a user's credit report, including key factors like account types (e.g., revolving, installment), credit utilization, payment history, and total debt. The tool typically pulls real-time or sample credit data and displays it through charts, metrics, and insights that are easy to interpret.
A credit score is a number based on statistical analysis of your credit files that represents your creditworthiness — essentially, the likelihood that you'll pay your bills as agreed. It's calculated primarily from credit report data from one of the three major bureaus: Experian, TransUnion, and Equifax.
It provides a detailed breakdown of your credit report, including account types (revolving vs. installment), credit utilization, payment history, and total debt, displayed through charts and metrics that are easier to interpret than a raw report.
No — the major credit bureaus don't factor income or employment history into your credit score. It's based entirely on information in your credit report, such as payment history and amounts owed.
It can pull either real-time credit data (once connected) or sample data, so you can explore how the tool works even before connecting your own credit report.
The Debt Calculator and Credit Card Calculator can help you track and plan around the debts that show up on your credit report.
