A credit score is a number based on a statistical analysis of a person's credit information, which represents the creditworthiness of that person. It is the most important tool used by financial institutions during a credit analysis that aims to assist the decision-making process of granting credit and conducting business, in order to verify the likelihood that people will pay their bills. A credit score is primarily based on credit report information, typically from one of the three major credit bureaus: Serasa Experian, Boa Vista (previously Equifax do Brasil) and SPC Brasil.