Your credit report is a record of your borrowing history. It shows your credit accounts, such as credit cards or loans, and how you’ve managed them over time. Your credit score is a number out of 1,000, calculated by Equifax using an algorithm based on the information in your credit report.
Your How You Look to Lenders report is different. It’s based on information from your Open Banking–linked accounts, such as your income and spending patterns. This report doesn’t affect your credit score and isn’t visible to lenders. It’s designed to give you a better sense of your overall financial health.