Six Secret Credit Scores And How You Can Alter Them

by Categorized: Banks, Credit Cards Date:



This weekend’s Bottom Line column:

When you sign up for a credit card, you’re making the credit-card company a life partner. It knows where you shop, when, what you buy, whether you pay your debts on time and if you’re a sucker for a balance-transfer offer that leads to high interest rates.

It knows a lot more than the credit score any consumer can get, free, each year from Equifax, Experian and TransUnion (visit or call 1-877-322-8228). Credit-card companies, and the banks that own them, compile dozens of secret scores unavailable to consumers.

Adrian Nazari, CEO of, says there are 49 known “custom” credit scores.

More . . .

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