I receive a lot of questions from clients regarding credit scores.  I think a primer on FICO’s would be appropriate. There are three credit reporting agencies (“CRAs”):  Equifax, Experian, and TransUnion.  I recommend reviewing your credit report annually from each of the three CRAs from www.annualcreditreport.com (as opposed to freecreditreport.com which actually charges you to obtain your credit report instantaneously). …