This information comes from companies that do business with you. This information comes from public records. This information comes from the credit reporting agency, and it remains available for as long as two years, according to federal law. 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.
Credit scoring helps lenders apply one set of rules to everybody.
The sophistication of today's models allow for certain behavior patterns. One reason these scoring models are so widely used is because they can differentiate between the credit patterns of individuals. Bankrate Inc. All rights reserved.