If you have taken at least one loan, if you are a guarantor or a co-borrower, you will definitely have a Credit Report. Your Credit Report is a document on your credit behavior. Report data are processed statistically and the credit score is calculated this way. The credit score allows evaluating the likelihood of non-fulfillment of commitments and the risk of non-payment. The credit score is expressed in numbers and may range from 0 to 400. The credit score facilitates credit institutions to define how expectable timely repayment is in case of financing the loan. The credit score will help you to improve receipt of the credit services because the higher the score, the less is the likelihood of non-fulfillment of commitments by you.