User: What is a credit score?
Assistant: A credit score is a numerical representation of a person's ability to buy using credit and paying off the credit spent.  How much debt and how many credit cards a person has plays a factor in this numerical value.  This value also represents the person's credit worthiness and information from credit bureaus helps to calculate the credit score.  Credit scores are important when trying to get loans for things like cars, homes, and other things a person buys using financing.