How to Fix or Improve Credit Scores

Improving your credit can be a long process, but it doesn't always have to be.

Beware of programs or people who claim they can make drastic improvements in a short period of time.

I have done a lot of research, and there are some things that can help.

First, did you know that your credit scores, the actual numbers are not figured by the three major credit bureaus (Experian, TransUnion, Equifax).

The scores you receive are derived from companies that banks or lenders use to pull the information from the major credit bureaus, like Landsafe, or Birchwood Credit. These companies take the information they get from the major credit bureaus and give you a score on all three. Depending on which company a bank uses, your scores can easily vary 40 or 60 points.

Most lenders don't even know this is the case.

For more on this
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