@Gvalencia wrote:
The scores are legit. I use Truecredit.com with Transunion as a monthly check. I highly recommend it. Gives me an accurate update on everything. Debt, scores, inquires, and more.
Gvalencia. Hi, and welcome to the forums. You have run into the same problem that most people do when they first start trying to evaluate and improve their credit profile. The credit scores you are getting from Transunion are not Fico scores. They are most assuredly not used by your prospective lenders. They are what we like to refer to as FAKO scores, being that they are basically sold as "educational" scores by the three credit bureaus Equifax, Experian, and Transunion. Third party providers like Transunion, Freescore.com, Creditkarma, etc...etc...etc.... market these so called "credit scores" to the public but when you read the fine print they even admit they are not the real deal. The actual credit reports you receive are legit, although an abbreviated version of what you can actually pull from the CRA directly from their website. You need to get your real Fico score here. The Equifax score is rock solid, and will most likely exactly match what your lender would pull from say a credit union, unless they use an auto enhanced version of the score. The Transunion score you get here is an older version called TU 98, but it is a real Fico score and is still used by a lot of lenders. You cannot purchase your Experian credit score anywhere at this time, although it is available to a select few via a PA. credit union last time I heard. If you want to know your actual score, buy your Equifax score here, then sit down and compare your three credit reports you get from Truecredit to see how they match up. There can be substantial differences in accounts reported, balances, negatives and so on. This will give you at least a basic idea of where you stand. There are many, many well credit educated folks on these forums who will be glad to answer any questions you may have. Just take a look at all the forums and post your question in the appropriate place. The moderators will help you with that if need be. Glad you are here, and don't get discouraged. We all started here at some point. Good luck.
