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Your credit scores might suddenly rise this summer. Here's why

Your credit scores might suddenly rise this summer. Here's why

Your credit scores might go up this summer — and not because you’ve gotten better at paying bills on time. It’s because of a change in the information used to calculate the scores.

The nation’s three major credit reporting companies — Equifax, Experian and TransUnion — use information from public records about tax liens, civil judgments and bankruptcies when computing people’s credit scores. But sometimes there are mix-ups, and the wrong person’s credit gets dinged.

Now the companies have agreed to stop listing information about liens and judgments in credit reports unless they have certain data connecting the public record more solidly to an individual, according to the...