Score Description While a credit report can be considered your detailed financial history, a score is an objective summary of that information. It represents your creditworthiness as a number. Numerical weights are placed on different aspects of your credit report and a mathematical formula or computation is used to arrive at a final score. There are literally thousands of score models used in the credit industry which consider different variables for different types of credit. Credit bureaus offer several different types of scores in their product portfolio, appealing to the vast array of creditors and credit applications in the country. ---- Now there are "thousands of score models"?!?!? I thought there were only a small handful? How are consumers supposed to check all these different models? I mean if the CRAs are going to allow access to their own, what about the all the others we don't know about?