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For Sale By Owner - FSBO Multiple Listing Service

Credit Scorers vs Reporting Agencies 

Credit can be a confusing subject. Many people assume the big three reporting agencies actually assign you a credit score. They do not. They just compile the data. Lenders then pay "credit scorers" to kick out a score based on your data. The best known credit scorer is Fair, Issacs, which produces a "FICO" score, one of the pillars of the lending industry.

 

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