A credit score is a number generated by an algorithm using information from your credit history representing your creditworthiness. Lenders use credit scores to evaluate the probability a person will repay their debts. Ranging anywhere from 300 to 850, a higher credit score indicates lower risk.
In wake of the September data breach compromising nearly 145 million U.S. consumers, Equifax offered free credit freezes through January 31st. Just two days prior to the end date, Equifax announced they would continue to offer free credit freezes though June 30, 2018.