Abstract: A real-time credit score adjustment approach that determines, according to a probability distribution for a credit adjustment score corresponding to behavior types and benchmark scores, a target probability distribution by using the credit score of the user as a target reference score, the target probability distribution including a probability corresponding to adjustment from the credit score of the user to each credit adjustment score; and determines an adjusted credit score according to the probability that corresponds to the adjustment from the credit score of the user to each credit adjustment score and that is indicated by the probability distribution. The credit score of the user can be adjusted in real time, thereby improving timeliness of adjusting a credit score, and improving accuracy of subsequent application based on the credit score.