Credit scores are developed by three separate credit reporting bureaus by interpreting data on payment history, amount of credit available and job history. Credit scores and find out how to increase credit scores withtips from a registered financial consultant in this free video on credit. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC