theyre not calculated by the same credit reporting agencies that maintain your credit reports. Instead, theyre created by different companies or lenders that use their own credit scoring system. Your free annual credit report does not include your credit score, but you can get your credit score from several sources. A grading system in education is a system that is used to assess the educational performance of a child which is entirely based upon points alone. The grading system does not provide an opportunity to make the child think out of the box or freely develop the thinking about any inkling of an idea or get involved with any of the intellectual speculation. it will also help us use data to better understand why the credit reporting system has been historically biased against communities of color. Department of the treasurys online repository of data related to credits (loans , guanantees and other credits) issued by the united states government to foreign soverign and other borrowers and obligors. Dear two cents, im finally in a position to start saving some money. I now have an adequate emergency fund, and id like to eventually get started with basic investing. But for now, i want to earn interest on my emergency fund, as its currently just sitting in a low-yield savings account.