At DIYCreditUpgrade.org, we give you the tools and step-by-step coaching to repair and build your credit affordably from home—no expensive credit repair agencies needed.
🔍 What Are the Major Credit Bureaus?
The three major credit bureaus in the U.S. are:
- Equifax
- Experian
- TransUnion
They collect data on your financial activity and report it to lenders, insurers, and other financial institutions. This includes:
- Payment history
- Credit utilization
- Length of credit history
- New credit inquiries
- Types of credit used
This data forms the basis for your credit score.
💳 Credit Scoring Models: FICO vs VantageScore
Credit scores aren’t created by the bureaus—they’re calculated using scoring models. The two most common are:
FICO® Score
Used by over 90% of lenders. Scores range from 300 to 850 and are based on:
- 35% – Payment History
- 30% – Amounts Owed
- 15% – Length of Credit History
- 10% – Credit Mix
- 10% – New Credit
VantageScore®
Created by the three major bureaus. Also uses a 300–850 scale with slightly different weightings.
For more on score breakdowns and how to improve them, visit our guide on credit score improvement at DIYCreditUpgrade.org
🧠 What Are Credit Data Aggregators?
Companies like Innovis, LexisNexis, SageStream, and CoreLogic are called credit data aggregators. They aren’t traditional bureaus, but they still collect vast amounts of consumer data and provide it to lenders and debt collectors.
These aggregators are often used in the debt validation process, meaning they help verify if the debt a collector is chasing you for is accurate. They may hold data even if the account isn’t listed on your main credit reports.
That’s why it’s important to check all sources of credit information. Our intuitive AI generated dispute and validation letters include guidance on how to address accounts found through these hidden sources.
🚀 Take Charge with DIYCreditUpgrade.org
DIYCreditUpgrade.org isn’t just a website—it’s your personal credit coach. We empower you to:
- Dispute inaccurate and unverifiable items legally
- Understand debt validation strategies
- Track your progress with our printable templates
- Build positive credit from scratch
- Avoid costly mistakes that damage your score
All from the privacy of your home, at your own pace. No overpriced “repair services.” Just results-driven education and tools.
👉 Start today at DIYCreditUpgrade.org
Ready to take your credit into your own hands? Visit DIYCreditUpgrade.org to start your private, powerful credit upgrade today.
