The 3 major consumer credit bureaus (TransUnion, Equifax, and Experian) calculate your credit score and good payment habits can help you build credit. As long as you stay on track with payments, you can qualify
The big credit scoring bureaus—Equifax, TransUnion, and Experian—don’t publish their algorithms and formulas. But as you’ve likely noticed, your score will vary a bit with each one. Fair Isaac Corporation(FICO), the most commonly used credit scoring agency, does share the exact data input...