A credit score is a numerical expression from (0% to 100%) based on a level analysis of a user's credit data, to represent the creditworthiness of a user. 

It is primarily based on credit history, for example, gender, marital_status, monthly_net_income, tier, employment status, and many more, information typically sourced from credit bureaus, with each of this credit history and data carrying different weighted scores.

All weighted scores sum together brings about the user’s final credit score.