By Michele Bodda, President Employer Services, Verification Solutions and Housing at Experian Credit scores feel like a simple thing because we’ve been taught to treat them that way, a three-digit number that opens doors or closes them. But credit scores don’t exist on their own. They are downstream of something far more fundamental: credit data. Without the information in a credit report, there is no score at all. That distinction matters, especially now, as the mortgage industry finds...