Your creditors do and what they know is hurting you. With years of dealing with the Credit Bureaus we have learned exactly how the Bureau’s score your profile. They use 5 categories and 28 points of interest to judge if you’re a good risk or a bad risk.Your creditors do and what they know is hurting you. With years of dealing with the Credit Bureaus we have learned exactly how the Bureau’s score your profile. They use 5 categories and 28 points of interest to judge if you’re a good risk or a bad risk.Your creditors do and what they know is hurting you. With years of dealing with the Credit Bureaus we have learned exactly how the Bureau’s score your profile. They use 5 categories and 28 points of interest to judge if you’re a good risk or a bad risk.