A credit score check is an evaluation process used to assess an individual's creditworthiness based on their financial history. Lenders, financial institutions, and employers often use credit scores to determine the risk associated with lending money, approving loans, or even hiring decisions. The credit score is typically calculated from factors such as payment history, credit utilization, length of credit history, types of credit, and recent credit inquiries. A higher credit score suggests a reliable borrower, while a lower score indicates potential risk. Regular credit score checks help individuals monitor their financial health and take steps to improve their credit standing.