The credit report issued by different offices is almost similar, but different offices use different parameters for evaluation.

Try to keep in mind that most of these cases are not malicious, they come from misunderstanding.

If you have not already, open a credit card account to reset your payment history and credit score.

Your credit score, which is developed by the credit bureaus is something that is not provided at no cost to you, but you can and probably should take this information to a whopping number.

"When we calculate a score, for all intents and purposes, it will then be recalculated and the next time someone pulls your file," says Watts.

These reports contain information on all types of expenditures, loans and repayments, major financial transactions, credit status, pending payments and also credit ratings.