One big mistake that most borrowers make is to simply live a life of ignorant bliss when it comes to acknowledging that there is not just one, but three credit bureaus from which credit card scores can be pulled. 

Many people only pull one credit report because they are not aware that there is more than one credit bureau keeping tabs on them.  These three credit bureaus are the private for-profit entities described in Part I – TransUnion, Experian, and Equifax.

For more information, please check out FICO Deluxe, which is your complete credit picture – All three credit scores and reports from TransUnion, Experian, and Equifax.