When you order your own personal credit report, you can see the same credit history a lender sees, but a score can tell you more. It tells you how the lender is likely to evaluate your history. When they order your credit report, lenders and credit card companies may request that the credit reporting agency compute and include your score based on the contents of your credit report. Methods for computing scores were developed using statistical analysis of millions of lending decisions, and how well borrowers met their obligations. Using a scale widely accepted by the lending industry, the majority of Personal Credit Scores are between 400 and 900.
Higher scores are better.