@Anonymous wrote:
My husband and I are in our late 20s and have made credit mistakes in the past that we are still paying for. My score is about 528 and his 545 per freecreditreport.com. Is there anywhere we can get pre - apporoved for an autoloan? We are in a situation where his truck is falling apart and he needs to trade in...the pay off on his truck is about 14,000 and its worth maybe 13,000. Please let me know! Would lending tree? Thanks!
Hello and welcome to myFICO.
None of the scores you get at FCR are FICO scores. They are what we call "FAKO" scores because they are not based on FICO scoring formulas and these FAKOS are not used by lenders to make credit decisions. Your real FICO scores might be much higher or lower that these FAKO's.
No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU (PSECU) in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myFICO. I suggest you do an internet search for "myfico discount codes" to save a little money.
At one time you could also purchase your Transunion score at transunioncs.com but that site seems to have stopped doing that. Equifax will still sell you a FICO score but you have to look very hard to find it.
So you'll need to pull your real FICO's eventually (or let a lender do it) to see where you actually stand.
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
