Your Credit Score  A credit score is a number that sums up your
credit history and assists lenders in assessing whether you are
likely to repay credit card debt and loans, while ranking your
credit information with that of other Americans. Credit scores
are used on applications for car loans, mortgages, credit cards,
and car insurance. For more information about credit scores, go
to or read A Credit Score is a Ranking Not a Score at;    1.
What is a credit score?     A credit score is not a rating, it
is a ranking of one’s creditworthiness compared to the rest of
the U.S. population at a given point in time. Your score
compares your credit behavior with others. If your score changes
over time, it means your rank-order among other U.S. consumers
has changed. People with higher scores are always expected to
default less on their credit obligations than people with lower
scores. However, a score of 750 today may not indicate exactly
the same level of creditworthiness as it did a year ago.   2.
What is a FICO sco