Credit Scores
Credit scores are numeric summaries based on information in credit reports. Different lenders may use different scoring models, so a score label is only part of the story.
This section explains score ranges, common score factors, and how collection accounts or other negative entries may be reviewed.
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What to keep in mind
- There is no single credit score used by every lender.
- A paid collection may not affect every scoring model the same way.
- Credit reports and credit scores are related, but they are not the same thing.
- Score improvement is never guaranteed by a template, letter, or dispute.