Need to know CREDIT SCORE info and Credit Repair how to.

Q: What Is a Credit Score?

A: The government did a good thing by passing a law requiring each of the three major credit bureaus to provide a free report each year to any consumer who requests it.  This makes it easier for us to keep tabs on what is included in our report, detect errors, and combat identity theft.  But one of the main factors used by lenders to determine whether or not they should lend us money still remains something of a mystery:  Our credit scores.

A credit score is a number that a credit bureau comes up with based upon factors in your credit history to measure creditworthiness.  Creditworthiness is the likelihood that you will repay your debts.  There are several different types of credit scores, and the formulas used to obtain them are closely guarded secrets.  And they are not included on your credit report.

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