I have spent the last twenty years selling credit information to banks, credit unions, and mortgage companies. I have heard every credit situation and continue to see something new every day.I will share with you the history of the Three major repositories, from how they started to who owns them now. I will explain what I know about the different scoring models and what strategies I have used for my clients to help build strong credit files that will allow you to live a better life. More than ever we are living in a world that makes snap decisions and the quickest way to be dismissed is with a low credit score.If you are trying to get a job, and you are one of five they are selecting from, you want to be the one with the best credit.