here is the first thing you need to know about your credit score vs your credit report:
Your credit score
your credit score is a score ranging from 300 to 900.
Your credit score reflects the credit worthiness of a borrower. your credit score is primarily determined by how wel you pay your prior loan payments and if you always pay on time every time.
Your credit score is generated by information on your credit report
Your credit report
Your credit report is a document that lists your credit history. Your credit report is created and updated using information received from banks, merchants and other people who lend you money (your creditors).