They calculate scores based on individual credit reports but the formula is kept secret. (mortgagebrokerstore.com)
The company will then conduct an analysis of individual credit reports to formulate a customized plan of action. (creditrepair.org)
On Oct. 22, 2012, The Consumer Financial Protection Bureau (CFPB) announced that it would begin accepting consumer complaints about credit reporting agencies and individual credit report problems. (nar.realtor)