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Understanding Credit Scores

• Factors that Determine Your Credit Score
  » Your Payment History
  » Amounts Owed to Your Accounts
  » Length of Your Credit History
  » Recent New Credit
  » Types of Credit You're Using Now



• "Using Score Reason Codes to Understand Your Score"



• "A Note About Fair, Issac Scores" [FICO]



• CREDIT BUREAU CONTACTS
  » Trans Union
  P.O. Box 390 Springfield, PA 19064
  800.580.1918 x6450
  
  » Equifax/CBI
  P.O. Box 740256 Atlanta, GA 30374
  800.378.2732
  
  » Experiam/TRW
  P.O. Box 949 Allen, TX 75013
  800.422.4879