### Question
How is the term credit score defined?


### Answer
The term **credit score** is defined in *12 U.S.C. § 1454* as the following:

> a numerical value or a categorization created by a third party derived from a statistical tool or modeling system used by a person who makes or arranges a loan to predict the likelihood of certain credit behaviors, including default

#### Citation:
  - *12 U.S.C. § 1454*
  - Heading: **CHAPTER 11A-FEDERAL HOME LOAN MORTGAGE CORPORATION**

