Credit is the ability to borrow money or get something now with the understanding that you'll pay for it later. When someone gives you credit, they're trusting that you'll pay back the money you owe according to the agreed-upon terms. Your creditworthiness is based on things like your credit history and how much debt you have compared to your income. Having good credit is important for getting loans and other financial opportunities.

A credit score is a number that shows how good you are at paying back loans and debt. It's based on your credit history and other factors, and lenders use it to decide whether or not to loan you money. Higher scores are better, and having a good score makes it easier to get approved for loans and credit cards, and may result in better interest rates and terms. 

A good credit score is anything above a 670.

A good credit score is anything below a 670.