How a credit score is built
How a credit score is built, when a balance is reported, and how a United States dispute works under the FCRA.
4 guides · about 21 minutes
- How a credit score is built Short overview
A credit score is a weighted model. The published weights are not a formula that predicts an exact point change.
2 min - Credit card statement date vs due date
The statement closing date is the balance a bureau usually sees. The due date is when the payment must arrive. They are not the same day.
8 min - How to dispute a credit report error
How to dispute a credit report error, and what a 609 letter asks a bureau to disclose. Neither request guarantees a deletion.
9 min - How to freeze your credit Short overview
A freeze makes it harder for someone to open new credit in your name. It does not delete what is already on the report.
2 min