Your credit report and score are different. Your credit report is all the information that a credit reporting agency has gathered about you. Credit reporting agencies calculate your credit score by plugging the information in your credit report into their proprietary credit score formula.

Federal law gives you the right to ask for a copy of your credit report from each nationwide credit reporting company every year for free. However, the law does not require credit reporting companies to give your credit score for free.

For more information visit https://www.consumerfinance.gov/ask-cfpb/i-got-my-free-credit-reports-but-they-do-notinclude-my-credit-scores-can-i-get-my-credit-score-for-free-too-en-6/.