I found this link looking thru sites. It has some great information about how your credit score is determined, who is doing the tallying and answers to alot of basic questions. It has many great links to other sites as well.

I have seen alot of questions about this here. Hopefully this helps .

http://www.privacyrights.org/fs/fs6c-CreditScores.htm


The FTC has launched a new website designed to
educate people about internet fraud and hopefully
help prevent fraud and scams releated to the
internet. It is an excellent resource and it also has
helpful information on what to do if you are a
victim of internet fraud or identity theft.
, www.onguardonline.gov

Under the section on identity theft there is a link for information on how to obtain a free credit report.

Both sites are very much worth checking out