Human: How do I calculate a credit score? Assistant: 
To calculate your credit score, you can use the FICO scoring model. The FICO score is a number that ranges from 300 to 850 and is calculated by looking at your credit report. It takes into account factors such as payment history, amount of debt, length of credit history, types of credit used, and new credit inquiries. A higher score indicates a better creditworthiness and lower risk of defaulting on loans or other debts.