What are score cards and how do they affect my credit score?

Today, many consumers understand what goes into a credit score and what they can do to improve theirs. Unfortunately, things aren’t always as simple as they’re portrayed. A hidden aspect of credit scores exists and it relies on a comparison of your credit report to your peers. Many credit scoring models will compare you and your history to other consumers that have similar profiles instead of lumping everyone together. So how does this affect you? Well, the answer is complicated. It can positi