There are times when credit bureaus will calculate scores incorrectly.

This is a phenomenon that is difficult to verify because it is so well hidden. But when you compare as many credit reports as I have, you will find, as I do, that the credit scoring is inconsistent.

Unfortunately, there is no real solution. You are at the mercy of the system and you are considered guilty until proven innocent.

The best way to fight this is to get the negatives removed with a reputable expert and then the inaccurate scoring is really a moot point. You will succeed in having scores that won’t be questioned; this will also allow you to gain the best interest and insurance rates.

A word of caution.

There are credit companies out there that buy up cheap scoring modules and resell them for a profit. However, these cheap scoring modules are just that, cheap and not worth the money you pay for them.

One such scoring module uses a range between 550 and 950 and, trust me, it isn’t worth the paper it’s printed on. The reason?  When you see that you have a 720 credit score, you will want to rush down to get a loan on a house or buy a car. Unfortunately, when your credit score is pulled, it will show that you really have about a 640 credit score, and presto- no house or new car.

The scoring system that is used nationwide is 300 to 850. This means that you begin to have a good score at 680 and better at 720. You really need about a 760 to get the best rates and the best insurance rates.

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