DONT LET THE SADNESS OF THE PAST AND THE FEAR OF THE FUTURE RUIN THE HAPPINESS OF THE PRESENT!!!

2. Credit reports are different than credit scores Although they are related, a credit report and a credit score are different. Also, it’s a bit misleading to talk about a single credit report or a single credit score, because the reality is that you have several different credit reports, and your credit score can be calculated in many different ways. - A credit report is a collection of information about your credit behaviors, like the accounts you have and when you make payments. Three main bureaus—Experian, Equifax and TransUnion—each publish a separate credit report about you. - A credit score uses the information in your credit report to create a numerical representation of your creditworthiness. In other words, all of the information in your report is simplified into a single number that gives lenders an idea of how likely you are to repay a debt.

People love free stuff and dont even execute