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	<title>Free Annual Credit Reports &#38; Score Tips &#187; Credit Scores</title>
	<atom:link href="http://free-credit-reports-annual.com/category/credit-scores/feed/" rel="self" type="application/rss+xml" />
	<link>http://free-credit-reports-annual.com</link>
	<description>Free annual credit report tips and how to get your free credit score (FICO or comparable) without spending a dime</description>
	<lastBuildDate>Fri, 03 Feb 2012 09:48:55 +0000</lastBuildDate>
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		<title>Nice Credit Scores photos</title>
		<link>http://free-credit-reports-annual.com/credit-scores/nice-credit-scores-photos/</link>
		<comments>http://free-credit-reports-annual.com/credit-scores/nice-credit-scores-photos/#comments</comments>
		<pubDate>Thu, 02 Feb 2012 16:19:47 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Nice]]></category>
		<category><![CDATA[photos]]></category>
		<category><![CDATA[Scores]]></category>

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		<description><![CDATA[Some cool credit scores images: Storm Freerunners mimic Credit Confidential&#8217;s mural man Image by Credit Confidential Freerunners took to the streets of London to remind city-dwellers that their credit rating is with them wherever they go &#8211; as new service Credit Confidential launches to give consumers access to their credit records. More information is available [...]]]></description>
			<content:encoded><![CDATA[<p>Some cool credit scores images:</p>
<p><strong>Storm Freerunners mimic Credit Confidential&#8217;s mural man</strong><br />
<img alt="credit scores" src="http://farm6.staticflickr.com/5066/5757707007_cab4d3cfcd.jpg" width="400"/><br />
<i>Image by <a href="http://www.flickr.com/photos/63286180@N03/5757707007">Credit Confidential</a></i><br />
Freerunners took to the streets of London to remind city-dwellers that their credit rating is with them wherever they go &#8211; as new service Credit Confidential launches to give consumers access to their credit records. More information is available here: <a href="https://www.creditconfidential.com/" rel="nofollow">www.creditconfidential.com/</a></p>
<p><strong>Storm Freerunners mimic Credit Confidential&#8217;s mural man on the underground</strong><br />
<img alt="credit scores" src="http://farm3.staticflickr.com/2713/5757699845_fd20a441d5.jpg" width="400"/><br />
<i>Image by <a href="http://www.flickr.com/photos/63286180@N03/5757699845">Credit Confidential</a></i><br />
Freerunners took to the streets of London to remind city-dwellers that their credit rating is with them wherever they go.</p>
<p><strong>Storm Freerunners remind us that our credit follows up wherever we go</strong><br />
<img alt="credit scores" src="http://farm3.staticflickr.com/2416/5758250948_0be9932f09.jpg" width="400"/><br />
<i>Image by <a href="http://www.flickr.com/photos/63286180@N03/5758250948">Credit Confidential</a></i><br />
Freerunners took to the streets of London to remind city-dwellers that their credit rating is with them wherever they go &#8211; as new service Credit Confidential launches to give consumers access to their credit records. More information is available here: <a href="https://www.creditconfidential.com/" rel="nofollow">www.creditconfidential.com/</a></p>
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		<title>Cool Credit Scores images</title>
		<link>http://free-credit-reports-annual.com/credit-scores/cool-credit-scores-images/</link>
		<comments>http://free-credit-reports-annual.com/credit-scores/cool-credit-scores-images/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 12:25:40 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Cool]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[images]]></category>
		<category><![CDATA[Scores]]></category>

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		<description><![CDATA[Check out these credit scores images: Experian Score Image by Casey Serin See My True Credit Score / FICO Score post for more. Myfico Equifax Score Image by Casey Serin See My True Credit Score / FICO Score post for more. Credit Account Summary Image by Casey Serin Tweet news and informations&#160;automotive,business,crime,health,life,politics,science,technology,travelautomotive,business,crime,health,life,politics,science,technology,travel]]></description>
			<content:encoded><![CDATA[<p>Check out these credit scores images:</p>
<p><strong>Experian Score</strong><br />
<img alt="credit scores" src="http://farm1.staticflickr.com/104/303711115_cf673145c2.jpg" width="400"/><br />
<i>Image by <a href="http://www.flickr.com/photos/72159404@N00/303711115">Casey Serin</a></i><br />
See <a href="http://iamfacingforeclosure.com/95/my-true-credit-score-fico-score/">My True Credit Score / FICO Score</a> post for more.</p>
<p><strong>Myfico Equifax Score</strong><br />
<img alt="credit scores" src="http://farm1.staticflickr.com/117/303711125_7b73cbdc78.jpg" width="400"/><br />
<i>Image by <a href="http://www.flickr.com/photos/72159404@N00/303711125">Casey Serin</a></i><br />
See <a href="http://iamfacingforeclosure.com/95/my-true-credit-score-fico-score/">My True Credit Score / FICO Score</a> post for more.</p>
<p><strong>Credit Account Summary</strong><br />
<img alt="credit scores" src="http://farm1.staticflickr.com/106/299031167_08b39e80cd.jpg" width="400"/><br />
<i>Image by <a href="http://www.flickr.com/photos/72159404@N00/299031167">Casey Serin</a></i></p>
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		<title>Terence Blanchard</title>
		<link>http://free-credit-reports-annual.com/credit-scores/terence-blanchard/</link>
		<comments>http://free-credit-reports-annual.com/credit-scores/terence-blanchard/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 00:26:17 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Blanchard]]></category>
		<category><![CDATA[Terence]]></category>

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		<description><![CDATA[Terence Blanchard Event on 2012-04-14 20:00:00 Saturday, April 14, 2012 Terence Blanchard has established himself as one of the most influential jazz musicians and film score masters of his generation, a member of a jazz legacy that has shaped the contours of modern jazz today. Blanchard is a multi-Grammy Award winner with more than 29 [...]]]></description>
			<content:encoded><![CDATA[<p><strong><a href="http://eventful.com/washington/events/terence-blanchard-/E0-001-043233586-1?utm_source=apis&#038;utm_medium=apim&#038;utm_campaign=apic" rel="nofollow">Terence Blanchard</a></strong><br />
<i>Event on 2012-04-14 20:00:00</i><br />
Saturday, April 14, 2012</p>
<p>Terence Blanchard has established himself as one of the most influential jazz musicians and film score masters of his generation, a member of a jazz legacy that has shaped the contours of modern jazz today. Blanchard is a multi-Grammy Award winner with more than 29 albums to his credit. </p>
<p><em>“He plays the most coolly expressive trumpet in jazz, transmuting the instrument’s repertoire of smears, growls, peeps, and blasts into an astonishingly ?uid language both luxurious and controlled.”</em> &#8211; Vanity Fair</p>
<p>at <a href="http://eventful.com/washington/venues/sixth-i-historic-synagogue-/V0-001-001260950-2?utm_source=apis&#038;utm_medium=apim&#038;utm_campaign=apic" rel="nofollow">Sixth &amp; I Historic Synagogue</a><br />
600 I Street N W<br />
Washington, United States</p>
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		<title>Amazing Credit Score Secrets Revealed!</title>
		<link>http://free-credit-reports-annual.com/credit-scores/amazing-credit-score-secrets-revealed/</link>
		<comments>http://free-credit-reports-annual.com/credit-scores/amazing-credit-score-secrets-revealed/#comments</comments>
		<pubDate>Mon, 26 Dec 2011 16:28:53 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Amazing]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Revealed]]></category>
		<category><![CDATA[Score]]></category>
		<category><![CDATA[Secrets]]></category>

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		<description><![CDATA[Amazing Credit Score Secrets Revealed! Most Unique Up-to-date Credit Repair+credit Score Guide In The Uk! Refused Credit? Bankrupt? Need Help? Speediest Path To Highest Credit Score. Just Arrived In The Uk? Need To Know How To Get Finance/credit? No Problem, Step-by-step Guide In Easy English! Amazing Credit Score Secrets Revealed! Quick Credit Fix &#8211; Increase [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Amazing Credit Score Secrets Revealed!</strong><br />
Most Unique Up-to-date Credit Repair+credit Score Guide In The Uk! Refused Credit? Bankrupt? Need Help? Speediest Path To Highest Credit Score. Just Arrived In The Uk? Need To Know How To Get Finance/credit? No Problem, Step-by-step Guide In Easy English!<br />
<a rel="nofollow" href="http://maximumeco.EPRODUCT40.hop.clickbank.net">Amazing Credit Score Secrets Revealed!</a></p>
<p><strong>Quick Credit Fix &#8211; Increase Your Credit Score By Hundreds Of Points!</strong><br />
100% Unique Product Written By Credit Score Professional Who Really Knows The Tricks And Secrets To Raising Your Credit Score Hundreds Of Points. This Product Really Works And Comes With 3 Very Valuable Bonus Offers!<br />
<a rel="nofollow" href="http://maximumeco.SUSA360.hop.clickbank.net">Quick Credit Fix &#8211; Increase Your Credit Score By Hundreds Of Points!</a></p>
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		<title>eCashExperts.com is Proud to Announce Their New eC Cash Advance Program</title>
		<link>http://free-credit-reports-annual.com/credit-scores/ecashexperts-com-is-proud-to-announce-their-new-ec-cash-advance-program/</link>
		<comments>http://free-credit-reports-annual.com/credit-scores/ecashexperts-com-is-proud-to-announce-their-new-ec-cash-advance-program/#comments</comments>
		<pubDate>Sun, 04 Dec 2011 13:23:35 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Advance]]></category>
		<category><![CDATA[Announce]]></category>
		<category><![CDATA[Cash]]></category>
		<category><![CDATA[eCashExperts.com]]></category>
		<category><![CDATA[Program]]></category>
		<category><![CDATA[Proud]]></category>
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		<description><![CDATA[Sarasota, FL (PRWEB) December 02, 2011 eCashExperts.com, a leading edge payment technology provider for both merchants and merchant service providers, is pleased to announce their new eC Cash Advance program which provides business cash advances through account receivable financing. &#13; Business Cash Advances are not loans, they are upfront lump sum cash payments against businesses [...]]]></description>
			<content:encoded><![CDATA[<p><img style="float:left;margin: 0 20px 10px 0;" src="http://ww1.prweb.com/prfiles/2011/12/01/9008335/gI_81707_ec-cash-advance.gif" /><br />
Sarasota, FL (PRWEB) December 02, 2011
<p> eCashExperts.com, a leading edge payment technology  provider for both merchants and merchant service providers, is pleased to announce their new eC Cash Advance program which provides business cash advances through account receivable financing.</p>
<p>&#13;</p>
<p>Business Cash Advances are not loans, they are upfront lump sum cash payments against businesses future credit card sales and electronic payments which is repaid with accounts receivable financing, utilizing your credit card sales volume.  As goods and services are purchased by customers, a small percentage of each electronic payment is collected from the preferred processing bank.</p>
<p>&#13;</p>
<p>Benefits of a Cash Advance:&#13;<br />
</p>
<p>&#13;<br />
 ????The Advance is not a Loan.&#13;<br />
 ????No Fixed Term or Minimum Payments.&#13;<br />
 ????Approvals even on Poor Personal Credit.&#13;<br />
 ????No Personal Guarantee required.
<p>Advances can be used for a variety of personal and business related purposes including regular operating expenses, meeting cash flow needs in off peak seasons and expanding your business. You are free to spend the money on whatever is best for you and your business. says Gino Kauzlarich, co-founder and owner of eCashExperts.com.  </p>
<p>&#13;</p>
<p>We are proud to support both eCommerce as well as retail storefront merchants in as little as 24 hours to obtain approvals, and have a 97% approval rate for Cash Advances up to $  350,000.  We even have a program specifically for New Businesses. said Kauzlarich.</p>
<p>&#13;</p>
<p>Cash advances are not credit score driven; therefore it is not necessary to have good credit to receive an advance.  A poor credit rating will not normally influence a cash advance decision.  In addition there is NO personal guarantee, joint guarantee, or severable guarantee required. The Advance will not show on Personal Credit Reports and no Collateral is required.</p>
<p>&#13;</p>
<p>For more information on the eC Cash Advance program, visit http://www.eCashExperts.com.</p>
<p>&#13;</p>
<p>About eCashExperts.com:&#13;<br />
<br />Established in 1995 by founders Gino and Julie Kauzlarich, eCashExperts.com is a leading provider of todays most innovative and cutting-edge electronic payment technologies. They offer customers competitively priced solutions that are developed using some of the most advanced and reliable tools available on the market today!</p>
<p>&#13;</p>
<p>###</p>
<p>&#13;<br />
 &#13;<br />
                &#13;<br />
                <br clear="all" /></p>
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		<title>Financing Your Business in Today&#8217;s Economy</title>
		<link>http://free-credit-reports-annual.com/credit-scores/financing-your-business-in-todays-economy/</link>
		<comments>http://free-credit-reports-annual.com/credit-scores/financing-your-business-in-todays-economy/#comments</comments>
		<pubDate>Thu, 28 Jul 2011 02:14:15 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
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		<description><![CDATA[Financing Your Business in Today&#8217;s Economy Event on 2011-12-06 17:00:00 Are you looking for money for your business? Are you considering a SBA loan? This seminar will help you zero in on the right funding choices for your business and avoid money scams. Our financing veteran will educate you on how to ask for a [...]]]></description>
			<content:encoded><![CDATA[<p><strong><a href="http://eventful.com/tampa_fl/events/financing-your-business-todays-economy-/E0-001-044013125-1?utm_source=apis&#038;utm_medium=apim&#038;utm_campaign=apic" rel="nofollow">Financing Your Business in Today&#8217;s Economy</a></strong><br />
<i>Event on 2011-12-06 17:00:00</i><br />
Are you looking for money for your business? Are you considering a SBA loan? This seminar will help you zero in on the right funding choices for your business and avoid money scams. Our financing veteran will educate you on how to ask for a loan, get prepared for the bank and where to find money in a tight-fisted economy. You&#39;ll explore: . SBA loans: when, where and how to apply . How to plan your financing request to banks . Which banks are making loan . Angel investors and venture capitalists . Six Cs of credit and how credit scores affect your business . The fundamentals of royalties, licensing and supplier credit . Busting the myths about small business grants . SPECIAL BONUS: Find out 88 ways to get money without going to the bank!</p>
<p>at <a href="http://eventful.com/tampa_fl/venues/sbdc-tampa-bay-/V0-001-005634786-4?utm_source=apis&#038;utm_medium=apim&#038;utm_campaign=apic" rel="nofollow">SBDC Tampa Bay</a><br />
1101 Channelside Drive<br />
Tampa, United States</p>
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		<title>Relevate Adds Response Performance Indicator to Real-time Web Services</title>
		<link>http://free-credit-reports-annual.com/credit-scores/relevate-adds-response-performance-indicator-to-real-time-web-services/</link>
		<comments>http://free-credit-reports-annual.com/credit-scores/relevate-adds-response-performance-indicator-to-real-time-web-services/#comments</comments>
		<pubDate>Thu, 30 Jun 2011 00:03:50 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Adds]]></category>
		<category><![CDATA[Indicator]]></category>
		<category><![CDATA[Performance]]></category>
		<category><![CDATA[Realtime]]></category>
		<category><![CDATA[Relevate]]></category>
		<category><![CDATA[Response]]></category>
		<category><![CDATA[Services]]></category>

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		<description><![CDATA[Springfield, VA (PRWEB) November 30, 2011 Relevate has been providing real-time web services since 2002. A new addition to the extensive list of available services is the ability to score leads in real-time with Relevates propriety Response Performance Indicator (RPI). RPI scores consumer leads to help marketers predict the most profitable leads. RPI scores front-end [...]]]></description>
			<content:encoded><![CDATA[<p><img style="float:left;margin: 0 20px 10px 0;" src="http://ww1.prweb.com/prfiles/2011/07/27/8999654/gI_64122_zip 4_maptargets.png" /><br />
Springfield, VA (PRWEB) November 30, 2011
<p> Relevate has been providing real-time web services since 2002. A new addition to the extensive list of available services is the ability to score leads in real-time with Relevates propriety Response Performance Indicator (RPI). RPI scores consumer leads to help marketers predict the most profitable leads. RPI scores front-end response likelihood and back-end response payment performance by decile &#8212; from 1 (most responsive, less likely to pay) to 10 (least responsive, most likely to pay).  With this scoring intelligence, online marketers can deliver a highly targeted offer to each website visitor.</p>
<p>&#13;</p>
<p>Andy Pappas, vice president database marketing &amp; analytics said, The ability to correct inaccurate information entered into web forms, and score leads in real-time dramatically increases a marketers ability to deliver the next best message. Relevates analytics team has the ability to build custom models using Zip+4 demographics and summarized credit data to meet individual client objectives. Alternatively, clients who need a quick score showing which prospects are more likely to respond vs. who are more likely to pay can use RPI.</p>
<p>&#13;</p>
<p>Key benefits of using real-time services for validating, correcting and scoring data captured via web forms are:&#13;<br />
</p>
<p>  Create and deliver targeted messages based on the profile of the prospect.&#13;<br />
  Correct data as it is being captured.&#13;<br />
  Prevent fraudulent data entry.&#13;<br />
  Avoid fines and consumer bad will for telemarketing to numbers on the Do Not Call Registry and to cell phones without permission.&#13;<br />
  Sub-second processing time.&#13;<br />
  Relevates Web Services servers are fully redundant.  With redundant servers on site and off site, Relevate is able to offer Service Level Agreements (SLAs) of 99.99% up time.&#13;<br />
  Data is secured by using Secure Socket Layer (SSL) and is operating system neutral.
<p>Steven Rao, CEO said, Businesses are generating thousands of leads each month by driving traffic to web forms where users input contact information, and these businesses need to ensure that the data they are working with is accurate. Prospects entering information into web forms can intentionally or unintentionally provide inaccurate data. This affects a marketers ability to connect with the lead. Data correction and real-time scoring provide predictive information to better target prospects and customers at the time of the website visit.</p>
<p>&#13;</p>
<p>About Relevate&#13;<br />
<br />Relevate, with its headquarters in Springfield, Virginia, is a leading digital data solutions provider offering a comprehensive range of marketing intelligence and data driven marketing solutions. Over 1,500 companies work with Relevate to improve their ROI and build leading-edge marketing solutions. For more information, call (800) 523-7346, or visit http://www.relevategroup.com.</p>
<p>&#13;</p>
<p># # #</p>
<p>&#13;<br />
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		<title>Music/TV Star Kandi Burruss Launches Kandi Koated Spades App for iPhone/iPad</title>
		<link>http://free-credit-reports-annual.com/credit-scores/musictv-star-kandi-burruss-launches-kandi-koated-spades-app-for-iphoneipad/</link>
		<comments>http://free-credit-reports-annual.com/credit-scores/musictv-star-kandi-burruss-launches-kandi-koated-spades-app-for-iphoneipad/#comments</comments>
		<pubDate>Wed, 22 Jun 2011 15:52:34 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Burruss]]></category>
		<category><![CDATA[iPhone/iPad]]></category>
		<category><![CDATA[Kandi]]></category>
		<category><![CDATA[Koated]]></category>
		<category><![CDATA[Launches]]></category>
		<category><![CDATA[Music/TV]]></category>
		<category><![CDATA[Spades]]></category>
		<category><![CDATA[Star]]></category>

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		<description><![CDATA[Atlanta, GA (PRWEB) December 01, 2011 Just in time for the holidays, music and TV celebrity Kandi Burruss is bringing a new twist to a classic card game. Introducing Kandi Koated Spades, the first urban Spades app for iPhone/iPad users now available in the iTunes App Store. &#13; Developed by urban video gaming company Konsole [...]]]></description>
			<content:encoded><![CDATA[<p><img style="float:left;margin: 0 20px 10px 0;" src="http://ww1.prweb.com/prfiles/2011/11/30/8998500/gI_75332_titlescreen.png" /><br />
Atlanta, GA (PRWEB) December 01, 2011
<p> Just in time for the holidays, music and TV celebrity Kandi Burruss is bringing a new twist to a classic card game. Introducing Kandi Koated Spades, the first urban Spades app for iPhone/iPad users  now available in the iTunes App Store.</p>
<p>&#13;</p>
<p>Developed by urban video gaming company Konsole Kingz, Kandi Koated Spades allows multiple players to play online while using features such as Reneg, Deuces Wild, and Jokers. The app is designed to reflect the fast-paced, trash-talking style of Spades thats most popular in the African-American community. </p>
<p>&#13;</p>
<p>Me and my family are avid Spades players, says Burruss. So when the opportunity to create Kandi Koated Spades presented itself, I jumped at the chance to share this unique app with my fans. Im a Spades pro and I can promise you that this is the best Spades game on the market!</p>
<p>&#13;</p>
<p>Kandi will celebrate the launch of the Spades app at a private game party in Atlanta next week.</p>
<p>&#13;</p>
<p>&#8220;The iPhone has over 500,000 apps. We noticed no one was creating high-quality games for African-Americans, says Marcus Matthews, producer of the game. Like Spike Lee and Tyler Perry did for film, we created something our community could enjoy.</p>
<p>&#13;</p>
<p>Spades is the one game that almost every African-American has played or witnessed, adds Cj Peters, CEO of Konsole Kingz. So it certainly made sense to develop Kandi Koated Spades and bring it to the iPhone and iPad.</p>
<p>&#13;</p>
<p>Kandi Koated Spades Key Features:&#13;<br />
</p>
<p>&#13;<br />
  Online Multiplayer (play against 3 real people)&#13;<br />
  Custom avatars (use the camera to put yourself in the game)&#13;<br />
  In-game profiles (let everyone know where you&#8217;re from, post your Twitter, and earn awards (crowns) for playing)&#13;<br />
  Chat (chat from the main menu and during the game)&#13;<br />
  Single Player Mode (for those of you that need to step your game up)&#13;<br />
  Reneg (Call reneg on someone playing out of suit and get those 3 books!)&#13;<br />
  Tweet your scores and wins to all your Twitter followers&#13;<br />
&#13;<br />
For the complete list of rules and features, visit http://www.KandiKoatedSpades.com or follow us on Twitter (@kandispades).&#13;</p>
<p>To purchase Kandi Koated Spades, go to http://kkspad.es/qWsdfR. </p>
<p>&#13;</p>
<p>About Kandi</p>
<p>&#13;</p>
<p>KANDI is a Grammy Award winning singer, songwriter, producer, actress and entrepreneur who started her career as a teenager with three consecutive platinum albums as a member of the female R&amp;B group, Xscape.  She would later go on to make history as the first woman ever to receive the ASCAP Songwriter of the Year Award for Rhythm and Soul. Her resume includes work with some of musics biggest names such as:  Alicia Keys, Whitney Houston, Pink, Mariah Carey, TLC, Destiny&#8217;s Child and JoDee Messina, and has given her credit to some 60-plus million records sold worldwide. Outside of music she owns a successful clothing boutique, TAGS, and an intimate luxury line, Bedroom Kandi.  As if that is not enough she is a member of the highest rated television show on the Bravo network, &#8220;The Real Housewives of Atlanta,&#8221; and was just given her own spinoff &#8220;The Kandi Factory.&#8221;  Follow Kandi on Twitter (@kandi) and learn more about her at Kandionline.com</p>
<p>&#13;</p>
<p>About Konsole Kingz</p>
<p>&#13;</p>
<p>KONSOLE KINGZ (KKZ) has emerged as leaders of the urban video gaming space. The company focuses on a unique combination of promotions, event planning, gaming tournaments, viral marketing, and editorial pieces to connect with and understand the urban gamer.</p>
<p>&#13;</p>
<p>MEDIA CONTACTS</p>
<p>&#13;</p>
<p>Saptosa Foster????&#13;<br />
<br />The 135th Street Agency????????????????&#13;<br />
<br />404.909.6493 | saptosa(at)135stagency(dot)com</p>
<p>&#13;</p>
<p>Shante Bacon &#13;<br />
<br />The 135th Street Agency????????????????&#13;<br />
<br />917.553.0005 | shante(at)135stagency(dot)com</p>
<p>&#13;</p>
<p>###</p>
<p>&#13;<br />
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<p>More <a href="http://free-credit-reports-annual.com/category/credit-scores/">Credit Scores Press Releases</a></p>
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		<title>Why do I have 3 different credit scores from the credit reporting agencies?</title>
		<link>http://free-credit-reports-annual.com/credit-scores/why-do-i-have-3-different-credit-scores-from-the-credit-reporting-agencies/</link>
		<comments>http://free-credit-reports-annual.com/credit-scores/why-do-i-have-3-different-credit-scores-from-the-credit-reporting-agencies/#comments</comments>
		<pubDate>Thu, 02 Jun 2011 07:08:28 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[agencies]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[different]]></category>
		<category><![CDATA[from]]></category>
		<category><![CDATA[reporting]]></category>
		<category><![CDATA[Scores]]></category>

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		<description><![CDATA[by ShashiBellamkonda Question by T.J: Why do I have 3 different credit scores from the credit reporting agencies? I am currently monitoring my credit report from the 3 credit bureaus. I filed bankruptcy almost 2 years ago and I currently have no balances on any of the 4 credit cards I have and have never [...]]]></description>
			<content:encoded><![CDATA[<div style="float:left;margin:5px;font-size:80%;"><img alt="credit scores" src="http://farm4.staticflickr.com/3243/5705388968_b9f37b3540_m.jpg" width="160"/><br /> by <a href="http://www.flickr.com/photos/35899785@N00/5705388968">ShashiBellamkonda</a></div>
<p><strong><i>Question by T.J</i>: Why do I have 3 different credit scores from the credit reporting agencies?</strong><br />
I am currently monitoring my credit report from the 3 credit bureaus.  I filed bankruptcy almost 2 years ago and I currently have no balances on any of the 4 credit cards I have and have never been late on a payment to them.  I monitor my credit report with Experian and I now have a 620 credit score.  With experian I have seen a steady increase in my credit score since I filed my bankruptcy.  With the other two agencies, I haven&#8217;t seen much of a change.  Experian is at 550 and Transunion is at 505.  I have checked my report with all 3 bureaus and they all have the same information.  Can anyone tell me why there is such a difference in the three credit scores?  As of right now, I have $  100 balances.  I pay all my bills on time and from everything I&#8217;ve read, a discharged bankruptcy from 2 years ago should have my credit back to about the 650 -670 range.  Am I missing something?</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by wade2diesel</i><br />Each of the three main credit bureaus uses a slightly different system to assess the worthiness of their customers.</p>
<p>Here is how the three bureaus use credit scores:</p>
<p>Equifax uses the FICO scoring model. They don’t call it that; they call it “Score Power.” Nevertheless, the system is the same one as that developed by Fair, Isaac and Co.</p>
<p>Experian uses a system they call “PLUS Score” Their system is very similar to the FICO model but uses slightly different factors to generate the figure. </p>
<p>Trans Union’s system is proprietary; it is a system they have developed themselves for their own use.</p>
<p><strong>Give your answer to this question below!</strong></p>
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		<title>Who Has An 850 Credit Score And How Do You Get One?</title>
		<link>http://free-credit-reports-annual.com/credit-scores/who-has-an-850-credit-score-and-how-do-you-get-one/</link>
		<comments>http://free-credit-reports-annual.com/credit-scores/who-has-an-850-credit-score-and-how-do-you-get-one/#comments</comments>
		<pubDate>Sun, 29 May 2011 19:17:15 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Score]]></category>

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		<description><![CDATA[Credit scores, on the scale assigned by FICO, range from 300 to 850. Who has an 850 credit score and what canyou do to get one? Less than 1 percent of the population has a credit score above 800, so it&#8217;s very unlikely you will have an 850 credit score. However, if your credit score [...]]]></description>
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<p>Credit scores, on the scale assigned by FICO, range from 300 to 850. Who has an 850 credit score and what canyou do to get one? Less than 1 percent of the population has a credit score above 800, so it&#8217;s very unlikely you will have an 850 credit score. However, if your credit score is above 720, you will probably still receive the best rates. Watch more credit and identity theft videos from Expert Real Estate Tips to learn how to raise your credit score.<br />
<strong>Video Rating: 4 / 5</strong></p>
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