Credit score in the United States
Summary
A credit score is a number that provides a comparative estimate of an individual's creditworthiness based on an analysis of their credit report. It is an inexpensive and main alternative to other forms of consumer loan underwriting.
Originally created by 207.171.180.101
2/9/2004, 8:23:05 PM
Modified
6/13/2026, 4:27:47 PM
Recent revisions
Fixed a reference. Please see [[Category:CS1 errors: dates]].
/* top */
Added credit invisible population context with CFPB citation (~45M U.S. adults unscoreable under conventional models, notable gap in article coverage)
Added doi-access. | [[:en:WP:UCB|Use this bot]]. [[:en:WP:DBUG|Report bugs]]. | Suggested by Headbomb | #UCB_toolbar
/* Criticism and controversies */
/* Criticism and controversies */
/* growthexperiments-addlink-summary-summary:3|0|0 */
Reformat 1 URL ([[en:User:GreenC/WaybackMedic_2.5|Wayback Medic 2.5]]). Notice: [[Wikipedia:Requests_for_comment/Archive.is_RFC_5|RFC Eliminate or Deprecate Archive.today from Wikipedia]]
/* Makeup */
/* growthexperiments-addlink-summary-summary:3|0|0 */
Reverted 1 edit by [[Special:Contributions/2A13:80C5:A3C8:EA6B:BDB:6F51:5A9F:CE26|2A13:80C5:A3C8:EA6B:BDB:6F51:5A9F:CE26]] ([[User talk:2A13:80C5:A3C8:EA6B:BDB:6F51:5A9F:CE26|talk]]) to last revision by Wikipedialuva
/* Credit scoring models */
Cleaned up using [[WP:AutoEd|AutoEd]], [[Wikipedia:MOSNUMscript|script]]-assisted date audit and style fixes per [[MOS:NUM]]
/* FICO score */ Removing FICO score main as it is a self redirect
adding main article templates for FICO and VantageScore
/* VantageScore */ updating date and adding ref to Synchrony bank usage
/* VantageScore */ In July 2025, the Federal Housing Finance Agency announced that Fannie Mae and Freddie Mac will permit lenders to use VantageScore 4.0
unsourced
/* FICO score */
