Question: What does my credit report have to do with my credit score?
Answer: Your credit report is a detailed history of your credit accounts including payment history, credit limit, highest balance ever charged, and age of the account.
Your credit score is a numeric representation of your credit report. Think of your credit report like the report card grade for all the work you did in class a particular year.
Your credit score goes up and down depending on how the information in your credit report changes.