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If a loan you've paid off or a credit card that was cancelled is still listed as open, contact the credit bureau and ask for your credit report to be corrected.What Is the Range of Possible FICO Credit Scores and What Do They Mean?FICO credit scores range between 300 and 850. Ratings are as follows:~ Excellent: Over 750~ Very Good: 720 or more~ Acceptable: 660 to 720~ Uncertain: 620 to 660~ Risky: less than 620How Is My FICO Credit free credit reports free Indianapolis Score Calculated?The formula used to calculate your FICO credit score includes information based on several factors:~ 35% on your payment history~ 30% on the amount you currently owe lenders~ 15% on the length of your credit history~ 10% on the number of new credit accounts you've opened or applied for (fewer is better)~ 10% on the free credit reports free Indianapolis mix of credit accounts you have (mortgages, credit cards, installment loans, etc.)In general, when people talk about “your credit score,” they’re talking about your current FICO score. free credit report and free credit score But in fact there are three different FICO scores developed by Fair free credit reports free Indianapolis Isaac—one at each of the three main US credit reporting agencies. And free credit reports free Indianapolis these scores have different names.WILL YOUR SCORES BE DIFFERENT?FICO credit scores range from about 300 to 850. It’s important to get your credit report and analysis so you can understand what your FICO score is. Fair Isaac makes the scores as consistent as possible between the three credit reporting agencies. free copy of credit report If your information were exactly identical at all three credit reporting agencies, your scores from all three would be within a few points of each other. But here’s why your FICO scores may in fact be different at the three credit reporting agencies.

The way lenders and other businesses report information to the credit reporting agencies sometimes results in different information being in your credit report at the three agencies. The agencies may also report the same information in different ways. Even small differences in the information at the free credit reports free Indianapolis three credit reporting agencies can affect your scores. Since lenders may review your score and credit report from any of the three credit reporting agencies, it’s a good idea to check your credit report from all three and make sure they’re all right.Usually when you get your credit report and analysis from the credit bureau it will include a form for reporting any inaccuracies. anual free credit report