A credit score and credit report are different - but related - tools used by lenders to judge the probability of your fulfilling your debt obligations.
|Credit Score||Credit Report|
|Three digit number||Comprehensive document|
|Calculated through statistical analysis||No analysis. Detailed record of all credit-related activity|
|Based on relatively recent payment history (24months)||Based on credit behaviour spanning years|
|Can be improved in months||Can take years to remove negative marks|