A report shows the underlying data
Credit reports can include identifying information, credit accounts, payment history, balances, collections, and inquiries. The first job is to make sure the reported facts are complete and accurate.
A score is one calculated output
The CFPB explains that a credit score predicts credit behavior using information from credit reports. People can have multiple scores because models, data sources, loan products, and calculation dates differ.
- Model used
- Report data used
- Product context
- Date calculated
Manage what can be managed
No service can responsibly promise a particular score. Focus on accurate reporting, on-time payments, balances, account history, and deliberate applications. When a lender makes a decision, review the specific notice and factors the lender provides.
Common questions
Clear answers, clear limits.
Why is my score different in two apps?
The apps may use different models, data sources, or calculation dates. A difference does not automatically mean one is wrong.
Does a free report include a free score?
A report and score are separate products. The federally authorized report process does not mean every report includes a score.
Can NDR promise a certain score?
No. NDR can help organize review and planning but does not promise a number or the effect of any single action.