A credit score is a three-digit number, typically ranging from 300 to 850, that lenders use to assess how likely you are to repay borrowed money. The two main scoring models are FICO and VantageScore. Both models look at the same kinds of information from your credit reports, including your payment history, how much of your available credit you're using, how long you've had credit, what types of credit you use, and how often you apply for new credit.