Free Score Report Gov Free Score Report Gov Los Angeles Your credit rating files simply work as the raw data that's utilized to compute your credit ratings. Your credit ratings are exactly what lending institutions make use of to establish your home loan rates of interest, automobile loan rates, personal loan rates, and so on. Not to mention whether you'll be accepted or denied your loan demand from the beginning. All of it depend upon your credit score. (FWIW if your credit score is really bad, your lending officer could (or could not) browse your credit data and mention why your score or credit rating is so bad. But that's about it.). Yet in order to see your ratings, you basically need to purchase them independently from the 3 credit bureaus.