Credit matters

When you apply for a loan or mortgage you need to know how the bank or other lender arrives at your credit report score because this is a major part of the decision on advancing your loan.
Most lenders use a tri-merge credit report using your ratings from the major credit bureaux. In this process they use your middle or median score from among the three, balancing out differences in the reporting structure. If you need to check your score before applying for a loan you can get plenty of free reports and information from PictureCredit - a great resource that provides users with information related to credit reports, improving credit scores and many other credit related topics.