"The formulas used by the credit reporting bureaus are complex and take a great deal of imformation in to calculate your scores. The best way to understand what your individual scores mean is to learn which items on your report have a big effect. It..."
"You can get a free credit report annually It is recommended that you review a copy of your credit report once a year. Legally you are entitled to a free credit report from one of the three credit repositories, Experian, Transunion and Equifax. ..."