To begin to understand your credit report and the number assigned to it, you need to know a bit about what that number represents and how it is used by lenders.  Your credit score is a number used to predict how likely you are to pay back a loan on time.  Lenders use this number

The heading for this post is not meant to be catchy, but to help illuminate a common misunderstanding.  Many consumers think that they are entitled to receive their free CREDIT SCORE ‘report’ because they see advertisements/solicitations from many companies offering to supply this information.  Actually, this is misinformation at best and just adds to the