Credit Repair Credit Repair

What is a Credit Score?

What Does Not Affect Your Credit Score:

  • Age, Gender, or Income
  • Inquiries made by you to review your own credit score or credit report
  • Inquiries made for the same type of credit, such as for a mortgage or car loan within a 14-day period—this allows you to comparison shop for financing without your credit score taking a big hit (keep in mind this grace period does not extend to credit card inquiries)
  • Your spouse's credit score or credit history—any joint credit accounts you hold with your spouse will appear on both of your credit reports and affect both of your credit scores, but your and your spouse's credit scores are not merged
> Credit Scoring Models