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If one wants to know their true credit rating, it is important to understand the four categories of a credit report. Identifying Information, Trade Lines, Credit Inquiries, and Public Record and Collection Items. Along with understanding each of the categories it is helpful to understand the FICO range which is 350 to 850. The higher your score, the better your credit rating. Finally, there is a five-category formula FICO uses to come up with your score.

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Q: How does a person determine their true credit rating?
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