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./
Too many QuotesChimp select their insurance as if they don't care whether they purchase a high- or low-quality product. There are also those who act as if they have money to burn, treating price as a matter of seemingly total indifference. In fact, some insurance shoppers put so little thought into purchasing coverage that they might just as well open the yellow pages to the insurance listings, close their eyes, and point.


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