Do you know your credit score? Your credit score is a number, roughly between 300 and 800 that reflects your credit history as detailed by your credit report. Less than half of Americans know their score based on a survey bye the Consumer Federation of America (CFA) You can buy your credit sore from all three major credit bureaus-TransUnion, Equifax, and Experian - or you can buy them through fair Issacs' webiste Fair Issac is the research firm that owns the mathematical model used to calculate your FICO score. The scores are not included in annual free credit reports.