A credit score is a numerical rating that indicates an individual's creditworthiness. It is based on an analysis of the individual's credit history, which includes information such as their payment history, the amount of debt they have, how long they have had credit, and the types of credit they have used.

Credit scores are used by lenders, such as banks and credit card companies, to assess the risk of lending money to an individual. A higher credit score indicates a lower risk of defaulting on a loan, while a lower credit score indicates a higher risk of default.

Credit scores typically range from 300 to 850, with higher scores indicating better creditworthiness. The most commonly used credit score model is the FICO score, which was developed by the Fair Isaac Corporation. Other credit scoring models include the VantageScore and the Experian Credit Score.

It is important to maintain a good credit score, as it can affect an individual's ability to obtain loans, credit cards, and other financial products, as well as the interest rates and terms they are offered.