Level 3
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Credit score

First, Lenders do not, I REPEAT DO NOT focus solely on Credit Scores. That is a Myth. The CONTENT of the Report drives the score, not the other way around. Think of it this way...when you submit your application/resume to an employer, it doesn't list the SCORE of your life experience does it, No. It lists the CONTENT (what I have been exposed to) of your life experience and how you behaved (patterns).
Simply, creditors want to see if you have been exposed to Bank Credit Cards (Visa, MC, AmEx), Installment Loans (Mortgage, Car, Personal), Retail Credit Cards (Walmart, Target, Macy's) and how you behave (pay on time, pay late or not at all).