A credit score is a three-digit number (typically between 300 and 850) that represents how likely you are to repay borrowed money. It's based on your credit history—how you've used credit cards, loans, and other forms of credit in the past.
In the U.S., your credit score matters more than you might expect. Banks, landlords, utility companies, and even some employers may use it to make decisions about you. A higher score shows that you're a reliable borrower, which can make it easier to get approved for credit cards, loans, apartments, and more—often with better terms and lower interest rates.
Think of it this way: Your credit score is like a financial reputation. The stronger it is, the more doors it can open.