kvennard wrote:thank you everyone for your your advice! I paid for the report and it says this:
EquifaxAs of 03/12/2012
667
GOOD
TransUnionAs of 03/12/2012
648
FAIR
ExperianAs of 03/12/2012
640
FAIR
So maybe it's not as bad as I thought? Or are they basing this on what little credit I have? Thanks again for your input, everyone!
Did you get that from EQ's website?? I think those are FAKO scores you have because the public has not been able to purchase EX FICO's since 2009.
kvennard wrote:yes for 30 bucks (+ 20/month) this is the info they provide to me at econsumer.equifax.com, i hope for that kind of cash it is at least close to my EX fico score?
Unfortunately what you paid $30 for is virtually useless. The information contained no your report (if you got a copy of all there) is certainly valuable so you can know what is being reported. The scores though are useless. These are certainly FAKO scores as nobody can currently buy an EX FICO score. Please read this thread about scores:
In the future, I would recommend buying credit scores from myFICO, as they only sell real FICO scores. I think EQ also sells a real FICO score, but they also try to sell their own FAKO score. As that thread will tell you, FAKO scores do not correlate in any way with a FICO score. Those scores you have do not give you any idea what your FICO score is. Definitely read that thread. It was very enlightening for me.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
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