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What Is a Debt Collector and Why Are They Contacting Me?

Taurus Collect

A debt collector might sound like a character from a Charles Dickens novel, but if you’ve been contacted by one, you know they’re very much a reality of modern financial life. So, what exactly is a debt collector? What Is a Debt Collector?

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FICO XD is Changing the Way Consumers Build Credit

Titan Consulting

The new FICO XD scoring model retrieves information from sources like the National Consumer Telecom and Utilities Exchange to collect data on payments to utility, cell phone service, internet, and cable television providers and uses the payment history data from these and other sources to build a credit score.

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Understanding Why You Have So Many Different Credit Scores

Titan Consulting

There are many different credit scoring models the three credit reporting agencies use, and not all credit reporting agencies receive data from all creditors, so it is possible your credit scores and the data reflected on your credit may differ slightly. Here’s why: Who Decides Your Credit Score? Which credit bureau is the most important?