human
How do I calculate a credit score?
assistant
To calculate your credit score, you will need to obtain three different types of reports from the three major credit bureaus (Experian, TransUnion and Equifax). These reports include a credit report, a credit score and a credit history. You can get these reports for free by visiting AnnualCreditReport.com or calling 1-877-322-8228. Once you have all three reports, you can use them to calculate your credit score. The FICO scoring model is used most often to calculate credit scores, which is based on information in your credit report such as payment history, length of credit history, credit utilization rate, amount of new credit, etc.