I give a 2 rating because I don't Have any delinquent accounts for past 4 to 5 years Perfect on time payments which "experian" wont give me credit for!😡 I have a $10,000.00 CAR LOAN, I PAID OFF on time every month, this CAR LOAN which I'M NOT getting ANY Credit for PAYING this loan ON TIME! 😡 I have 6 credit cards which I use and pay off monthly. And discover credit card is not being documented. 😡 I make All my monthly payments ON TIME each month with ALL my creditors! Experian😤🤬fix it!