Myth: Credit scores and credit reports are the same thing.

Date: December 10, 2013

Fact: While the two terms are sometimes used

interchangeably, they are not the same thing. A credit report is the

collection of account, public record, inquiry and identification

information. A credit score is the interpretation of that data in

numeric form usually ranging from 300 to 850. A credit report, legally

referred to as a “consumer report”, can be generated without a credit

score but a credit score cannot be generated without a credit report. A

credit score is often sold along with a credit report as an ancillary


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