When it comes to managing your finances, your credit score is one of the most important numbers you need to know. Your credit score is a three-digit number that is based on the information in your credit report. It's used by lenders, landlords, and other organizations to determine your creditworthiness. A good credit score can make it easier to get approved for loans and credit cards, and it can also help you qualify for lower interest rates and better terms. However, not everyone has a good credit score. It is said that nearly one in five North Americans have a credit score that is considered subprime. This means that they are considered to be higher risk borrowers, and they may have a harder time getting approved for credit or loans. This is where credit repair comes in.