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Tampa FL Bankruptcy Lawyer | Credit – Florida Bankruptcy Attorneys – Chapter 7 – Chapter 13 Credit and frequently asked questions Tampa FL Bankruptcy Lawyers All you wanted to know about bankruptcy and credit Credit Credit is your ability to borrow money. Good credit is important if you want to borrow money. Tampa Florida Bankruptcy Law Firm Credit score A credit score is a number that helps lenders and others predict how likely the borrower is to make the payments on time. A person’s credit report will show his credit score. Your lender will check your credit report when you apply for credit. Credit reports can be obtained from credit reporting companies like Equifax, Experian and Transunion. Your lender provide specific and factual information about their financial relationship with you on regular basis to the credit reporting agencies including information about when you opened up your account, whether you make your payments on time, whether you missed one or more payments, etc. If you have a high credit score, it means you have good credit and so your monthly payments will be lower. Tampa Florida Bankruptcy Law Firm.