Your FICO score is a three-digit number that summarizes your credit risk based on your credit history. It is used by lenders to assess your creditworthiness and determine the interest rates you may be offered. FICO scores range from 300 to 850, with higher scores indicating lower credit risk. Factors that influence your FICO score include payment history, credit utilization, length of credit history, new credit accounts, and types of credit used.

Your credit report is a detailed record of your credit history, including your credit accounts, payment history, credit inquiries, and public records. It is used by credit bureaus to calculate your credit score. It is important to regularly review your credit report for errors or unauthorized activities that could negatively impact your credit score.

Debt management involves creating a plan to effectively repay your debts. This may include consolidating debts, negotiating with creditors, creating a budget, and prioritizing debt repayments. Effective debt management can help improve your credit score and financial stability.

Creditworthiness is a measure of your ability to repay debts and the likelihood that you will default on a loan. Lenders assess your creditworthiness based on factors such as credit history, income, employment status, and debt-to-income ratio. Building good credit and maintaining a positive credit history are essential for demonstrating creditworthiness.

For further information, you can refer to:
1. www.creditkarma.com
2. www.myfico.com
3. www.consumer.ftc.gov