Start with the report
A credit report contains information about your accounts and payment history. A credit score is calculated from report data. They answer different questions: what is being reported, and how a scoring model evaluates it.
Compare like with like
Before comparing two scores, check the bureau, model, and date. A lender may use a different score from one you see in a consumer tool. An unexplained difference is a reason to check the source, not evidence that one number is wrong.
Choose one next step
Read one account entry closely. Note its balance, payment status, and last update date. Compare those fields with your own records before deciding what needs attention.
Reviewed September 8, 2026. Educational information. Source: CFPB: Credit reports and credit scores.