what is my credit score?

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1. A credit score is a numerical expression based on a statistical analysis of a person's credit files, to represent the creditworthiness of that person, which is the likelihood that the person will pay his or her debts. A credit score is primarily based on credit report information, typically sourced from credit bureaus / credit reference agencies. Other countries might have similar scores. Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits. The use of credit or identity scoring prior to authorizing access or granting credit is an implementation of a trusted system. Credit scoring is not limited to banks. Other organizations, such as mobile phone companies and government departments employ the same techniques. Credit scoring also has a lot of overlap with data mining, which uses many similar techniques.
2. WWW.ANNUALCREDITREPORT.COM
3. Your credit score, more commonly known as your MyFico Score is managed by Fair Isaac & Co that's where they get the name FICO from. These guys are the authorities on Credit Score rankings and are used most prominently throughout the banking and loan industry to determine the creditworthiness of a business or an individual. Hope that helps =)