This information comes from the credit reporting agency, and must remain available for as long as two years by Federal law. You may also see a list of companies who have received information about your credit status, this is not divulged to 3rd parties but is there for you to review. A credit bureau score is one type of credit score. It is calculated from the information on your credit bureau file at the time that the information was requested, and provides a time stamped summary of your past and current credit usage, which will be used to determine your likely future credit performance. Note, if there are a number of queries your score can be lowered, under the assumption that you may be extending your credit.
Credit scoring helps lenders apply one set of rules to everybody.
The sophistication of today's computer models enables certain behavior patterns to be predicted. Apply for a department store card or gasoline credit card, these are relatively easy to qualify for, and pay your bills on time. You can also take out a secured credit card by depositing money with the issuing bank. You should check your credit report and make sure it is correct at least bi-annually. The three major national credit bureaus are Equifax, Experian and Trans Union.