No, they are a way by which creditors can evaluate the credit worthiness of their potential clients and reduce the risk of making bad loans.
However it certainly is valid to ask if the methods used to collect the data and calculate the scores are valid methods.
No
To quickly raise your credit scores you should pay off your credit cards, or get a credit card if you don't already have one.
There are number of different websites where one can sign up to see credit scores on Experian. One can view credit scores from Experian by signing up at websites such as FreeCreditReport, Credit Sesame, and the Experian official website.
Websites like Credit Karma offer free credit report scores. Other sites such as Free Score and Annual Credit Report also offer free credit report scores.
When you have bad credit scores, it is difficult obtaining a credit card but when you do manage to get one, there are some stores that will still accept credit cards of people with bad credit scores, like Macy's.
One has to purchase their credit score which is different from a credit rating. The credit score is purchased from FICO which is the only place to buy if from so you do not get two different scores.
3
one to ten
Yes, credit card generators are a scam. To obtain a legitimate credit card, one must contact a credit card company. Attempting to create a fake identity is also illegal.
One can get all three credit scores by creating a free account on the website My Fico. After the first credit score is completed, one can opt on the same website for another free trial.
Usually credit scores are rated from 300 and up with 300 to 559 being considered poor credit. If one is referring to 3 credit scores it is likely referring to the 3 companies that provide credit scores which include Equifax, Experian and TransUnion.
Capital One seems to give the best credit card for people with good credit scores. The next best would be discover.