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they do not use them.They look at your report in deital, along with your salary and time of employment.  They make their own judgements.Even so, the fico does give you a good idea of where you stand.  The score is for you   not for the major lenders.  To improve it get a gas credit card  and pay it in full each month the second you get the bill.  Carrying a balance harms your credit and can destroy your rating.Know how to clean up your report.  annualcreditreport.com is the only place to get them totally free.  Pay off immediately with a request to them to put  paid in full  on your credit report.  Write on the memo of your money order  to pay in full for acct #123 .  Do not send them a check   they will get your checking account number./
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