Tip #14: Don’t make the mistake of thinking that you only have one credit report.
Most people speak of having a “credit score” when in fact most people have at least three or more scores - and these scores can vary widely. There are three major credit bureaus in the country that develop credit reports and calculate credit scores. There are also a number of smaller credit bureau companies.
Plus, some larger lenders calculate their own credit risk scores based on information in your credit report. When repairing your credit score, then, you should not focus on one number - at the very least, you need to contact the three major credit bureaus and work on repairing the three credit scores separately. Go To www.credithelp21.com and get your very own Do It Yourself Credit Repair Kit with all the information you need.
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