The largest bureau is Equifax, which has data on 190 million Americans, but all three may have slightly different records based on who reports to them. Multiple credit cards can be a mistake, especially if they're the no-frills variety that are frequently offered to less desirable candidates. Not only can they drain the credit you might need for other activities, but they're also unlikely to propel you into a higher category. Using a spouse's card or account is also to be avoided, because it robs you of a chance to build your own credit history. If a mistake is made on your account, fight it.
Pros disagree on tactics for bypassing the service maze.
One customer representative argues that when calling a service center it's better to punch in no account number if you're a low-value customer. Pretend you're calling from a rotary phone,'' he advises. But another tactic may be to punch zero or choose an option that's likely to get immediate attention. In the end, resistance may be futile, and the best strategy for beating the system may be to join it. Shop around for the best company, and try to consolidate your business there.