1. A credit score is a number ranging from 300 to 850 that essentially represents the probability that someone will pay their bills, and are widely used by lenders to determine the interest rate that you will pay (for example, on a car or home loan) and your credit limit. Do you know your credit score (seecredit karma.com(Links to an external site.)?You do not need to disclose it, but what can you do to improve it?