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You've probably heard the term credit score. You can get an idea of your credit score can have an effect on his life. For example, you can understand that when you apply for a mortgage loan, the mortgage company your credit score. But did you know that the interest rate you can on your mortgage? And credit cards? depend largely on your credit score? Did you know that more and more employers check your credit score when you apply for a job, and that insurance companies can increase premiums or even cancel your insurance based on your credit score? So what is a credit score and how is it calculated? Your credit score (in some cases, you called your credit score) is a rating of your creditworthiness, or the ease that you have to repay a loan and how you can pay in a timely manner. And you can have a dramatic effect on your life. There three companies that collect information about how to manage credit. They are Equifax, Experian and TransUnion. Each one of them to determine your credit score based on a formula developed by Fair Isaac Corporation, but everyone calls her something different credit score. Trans Union calls its credit score "Empiraca." Experian calls their score "FICO" and Equifax will tell you your credit score is "Beacon." Credit scores range from 400 to 900 with the average score somewhere around 700. This is a case where more is not better that the higher the score the greater the risk you are believed.