Get an instant credit report and see your credit score rating! A credit score is a single number, based on an analysis of information contained in a credit report, that provides an indication of how likely a person is to repay his or her debts. It is based on several types of information, including payment history, amount of debt owed, and types of credit used. Credit scores, and the credit reports on which they are based, increasingly influence consumer access to credit, housing, insurance, basic utility services, and even employment. FICO credit scores, which are customized for each of the three major credit bureaus as well as for lender, generally range between 400 and 850, with 680 or above considered a "prime" or "very good" borrower.