What is a Credit Score? Financing requires entering a relationship with a lender who trusts you’ll make your payments in full, and on time. For lenders to feel confident you’ll make your payments on time; they’ll look at your credit score prior to issuing a loan. Those three digits pulled from your credit report are a summary of your credit management habits and help lenders determine how risky it would be to loan you money. Credit Score Check There are two ways to check your