A credit score is a numerical expression based on a level analysis of a person’s credit files, to represent 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 sourced from credit bureaus. Typically there are 3 major credit bureaus: Experian, TransUnion, and Equifax. You should check your credit reports once a year and are entitled to one free credit report annually. www.Freecreditreport.com is a website you can use to order all three credit reports.