Bees on the pooorch; What is the difference between a credit score and a credit report?

Sound is a little out of sync with video but this was the best quality I could find. This is south GA journalism at it’s best. Credit Source: www.walb.com

Question by .: What is the difference between a credit score and a credit report?
I did my research and I realized that i have a good credit report standing.

I only have 2 accounts that I am currently using.
Out of those two, for one I do have a balance but I always pay my bills on time except for two times when i was late because, the credit card company gave me the wrong due dates
They did remove the late fees however.
But 7 open in total.
5 unused
Two of them are sallie mae for school
and the other
1 for victorias secret- never used it. If I do use it I pay it once the bill comes
and the other two i dont plan on using.

Does that mean I have a bad credit score?

Best answer:

Answer by shreck
Your credit report tells you your credit score and who you owe.

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How to Improve Credit Score – 7 Ways to Improve Your Credit Score; Do credit card debt relief companies really help or make things worst?

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Question by jimulik: Do credit card debt relief companies really help or make things worst?
Does dealing with them destroy your credit for a long time or temporarily ?
Are there any good companies out there ?

Best answer:

Answer by tropnhof
I went to a local company in my town. I was able to walk in the door, and sit down with a counselor, and they explained everything to me, and I got on the program and got ALL my debt paid. It took about three years.
It did not hurt my credit that I know of. Some years after that, I went to get a loan to buy a house and I was told that I had a very good credit rating, and I got the loan. And I’m living happily ever after.
I hear that there can be some scams online. I went to an actual local company and it worked out just fine.
Good luck!

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