A credit score summarizes your credit history into a number that lets lenders and others quickly know how responsible you have been with your past credit accounts and loans. Lenders use formulas to calculate your score based on information from your credit report. These scores help predict how likely you are to pay your loans or credit cards. While lenders may use different scoring models to determine how you rate, personal details such as race, gender or religion are not considered when determining your score. However, the various scoring models have been fairly well standardized so that credit bureau scores, including your PLUS Score developed by Experian, use similar information and are roughly comparable.