More on Your Credit Score

Barry Paperno, a consumer credit expert, says that you likely have dozens, if not hundreds, of credit scores that are calculated by applying a mathematical algorithm to the information in one of your three credit reports. He explains that the factors that make your scores go up or down in different scoring models are usually similar. “What makes one score go up versus down is always going to be the same—it just depends on the degree,” Paperno adds.

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