信用评分是由不同的信用局使用他们自己的算法计算的一个动态数字，它根据您的信用记录反映您当前的信用状况。这可能包括您当前的未付款项、付款历史和信用查询历史。虽然概念相似，但信用报告中包含的信息因不同国家和信用机构而异，进而影响信用评分计算的算法。

例如，以下是 TransUnion 在美国的信用评分计算方式：

• 付款历史：40%

• 信用利用率：20%

• 信用记录长度：21%

• 最近报告的余额总额：11%

• 新信用账户负责5%

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请注意，信用评分只是一个动态变化的数字，反映了候选人当前的信用状况，并且可能会随着时间的推移而改变。出于就业目的，招聘人员应考虑信用报告中可能与当地劳动和隐私法律法规允许的招聘决策和行业合规需求相关的不同信息。

Credit score is a dynamic number calculated by different credit bureaus utilizing their own algorithm that reflect your current credit standing based on your credit history. This might include your current outstanding payment, payment history and credit inquiry history. While the concept is similar, the information contained in the credit report varies across different countries and credit bureaus which in turn affect the algorithm of the credit score calculation.

As an example, below is how TransUnion’s credit score calculated in the United States:

• Payment history: 40%

• Credit utilization: 20%

• Length of credit history: 21%

• Total amount of recently reported balances: 11%

• New credit accounts are responsible for 5%

Do note that the credit score is just a dynamic changing number that reflect the candidate’s current credit standing and it is likely to be changed overtime. For employment purposes, recruiters should consider different information in the credit report that might be related to the hiring decisions and industry compliance needs allowed by the local labor and privacy laws and regulations.