Credit and Borrowing — What lenders see, where it comes from, and how to protect it.
Your credit report is the detailed record of how you borrow and repay. Your credit score is a single number, often 300 to 850, calculated from it.
Hard vs soft inquiry: Applying for credit is a hard inquiry that can slightly lower your score. Checking your own score is a soft inquiry with no effect.
You can dispute errors on your report, and a credit freeze blocks new accounts being opened in your name.
11 practice questions with explanations. Free, and no account is needed to start.