A credit score is a number based on an analysis of a person's credit file that represents the person's creditworthiness or their ability to acquire credit, funding and better interest rates. When you buy a 3 bureau credit report, Personal Credit Scores from the three major credit reporting bureaus (Experian™, Equifax™ and TransUnion™), can range from 300 to 850 with the majority falling in the 600's and 700's. There is no specific standard for what is considered a "good" credit score, but in today's world, a credit score above 700 is looked at favorably as a good credit score by potential lenders and creditors. Generally, a low credit score below 600 signals a potential risk to a lender. A credit score can fluctuate often based on payment history, credit inquiries, usage of credit limits, etc. Since not all financial institutions provide reporting to each of the three major credit reporting agencies, a person's credit score might be different from each of the three agencies. Not only do potential lenders check credit reports, they can also be viewed by current and potential employers, landlords and insurance companies. A person with a low credit score can work to raise their credit score by paying all bills on time, checking their personal credit report regularly for inaccuracies and disputing those with the credit reporting agencies.