HOME  |  FREE CREDIT REPORT | CREDIT CARDS | IDENTITY GUARD | EXPERIAN  | TRANSUNION | EQUIFAX | CONTACT US | BLOG             CreditScoreCowboy.com explains how your FICO score is really a numerical expression based on a statistical analysis of your credit files, to represent your creditworthiness. This is the perceived likelihood that you will pay debts in a timely manner. Your credit score is primarily based on credit report information, typically sourced from credit bureaus or credit card companies. Banks and credit card companies use FICO credit scores to evaluate the potential risk posed by lending money and to mitigate losses due to bad debt. Lenders also use your credit scores to determine if you qualify for a loan, your interest rate, and your credit card limits. Free Credit Report Directory

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