Your credit report is a statement that contains your personal information, alongside credit account information and the status of those accounts. It’s a summary of your borrowing history, including information on how you’ve borrowed money and how you’ve paid it back.
Your credit score is the actual number the credit reference agencies give you to indicate your borrowing behaviour. The higher your number, the more likely you’ll have access to the best deals on your borrowing. Your score changes over time, dipping and rising depending on what financial products you’ve taken out, how you’ve managed your repayments and whether or not you’ve moved house and registered to vote.