Credit Bureau Lesson

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The main factors involved in calculating a credit score are:

The number of accounts you have The types of accounts 
Your used credit vs. your available credit The length of your credit history
Your payment history

If you look at your credit scores based on data from each of the three national CRAs Equifax, Experian, and TransUnion you may see three different scores even if the same credit scoring model is used. This is completely normal. Your scores may not all be the same because not all creditors and lenders report to all three CRAs. Many creditors do report to all three, but you may have an account with a creditor that only reports to one, or any.

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