Well look at this way. The Credit report has the riecdste items that paint a picture of your history. And if there were a beauty pageant held to determine who had the prettiest credit report, your credit score would be a reflection of that. So basically your credit score is dependent on your report most lenders use the credit score because it saves them the trouble of having to do all the costly research into your history. Then again it also depends on how much money they risk losing