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A credit score is a numerical representation of an individual's creditworthiness and financial responsibility. It is used by lenders, landlords, and other financial institutions to assess the risk of lending money or extending credit to a person. Credit scores typically range from 300 to 850, with higher scores indicating a lower risk to lenders. Factors that impact a credit score include payment history, amount of debt, length of credit history, types of credit accounts, and recent credit inquiries. A good credit score can make it easier to qualify for loans, credit cards, and favorable interest rates, while a poor credit score can result in higher interest rates or even denial of credit. It is important for individuals to monitor and maintain a good credit score to secure their financial future.