Understanding Credit Scores

Ever filled out a loan application and wondered what happens next? A credit score is part of that story, and it helps to know how it works.

A credit score helps predict how likely you are to repay a loan and make payments on time. Lenders use it to help decide whether to offer credit and what interest rate to charge. Your score draws from your credit report. You can pull that report from each of the three nationwide bureaus at AnnualCreditReport.com.¹

If you're wondering how a credit score fits into the bigger picture, we're always glad to talk it through.

^{1. Consumer.FTC.gov, June 2, 2026}