Yes, true credit is one of the main credit companies, that reports your credit score to two other main ones. All of these companies are connected by a company called trans-union. Good luck.
Yes, it is possible to have a credit score even though you don't currently have any credit cards. If you have ever applied for credit of any type then you are likely to have a credit score.
A lot of this you can do on your own and not pay anyone any money. After many years of credit repair research the money you pay a credit repair company or an attorney is usually wasted money.
A...
Tiered credit is a categorization that will differ from lender to lender and may change over time as the credit markets rise and fall. A fairly common label for tier 3 would be "low-to-mid 600s" so...