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What is the difference between my credit score and a credit report?

Your credit report (or credit file) is the detail of your credit history to date, whereas a credit score is simply a number which is derived from the information on your credit report.

Information in your credit report can include a full history of your credit enquiries, bill payments, any defaults, court judgments, bankruptcies and how much credit you have (such as a mortgage, car loan or credit cards).

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