Your Credit Score by the Privacy Rights Clearinghouse (2005)(9 pages).

This guide is a useful resource on the basics of credit scoring, who develops the scoring systems, tips on improving scoring, and new rights to credit scores under that Fair and Accurate Credit Transactions Act (a/k/a the FACT Act).Relevant reports and studies are linked within the document making this document an efficient “one-stop” reference tool. Problems and analysis of credit scores is also provided, particularly concerns about discrimination due to class and ethnicity. Advocates will also find this guide helpful for its section on building credit beyond mainstream credit sources including the "Pay Rent, Build Credit” initiative.

• Fact Sheet 6(c): Your Credit Score