03-20-2013 12:30 PM
These credit scores from my Citi Identity Monitor
Then they aren't your real credit scores. They are FAKOs
Experian doesn't make you're FICO public, you have to be denied for credit or get AA in order to get that score.
03-20-2013 12:38 PM
I pay monthly to monitor my credit from Citi Identity Monitor. How can be fake????
Because Citi is selling you fake scores, the only way to get your real FICO scores is to buy them from myfico.com or to apply for credit, be denied (or not get the best interest rate) and wait for the lender to provide them to you.
03-20-2013 12:39 PM
03-20-2013 12:51 PM
You asked how they can be fake - they're not fake credit scores, they're just not FICO credit scores. FICO is a company - Fair Isaac COrporation. Some 90% of lenders use FICO credit scores, so they are the standard in the field. Unfortunately, people use the term FICO as a synonym for credit score.
Think of it this way - all Kleenix is facial tissues, but not all tissues are Kleenix. FICO is Kleenix.
Many different financial institutions will sell you a credit score, but it is their own consumer product, not a FICO. So, we credit snobs refer to them as FAKO's.
But there is one important question that has been asked that you have not answered - WHAT FINANCIAL INSTITUTION ARE YOU TALKING ABOUT? The airlines do not offer the cards; they offer the cards through AMEX, Citi, etc.
03-20-2013 01:14 PM
03-20-2013 01:30 PM
Actually I don't need more any credit cards. I have so many pre approved credit mailed to me. Because I am planning travel more that why I apply the card for free ticket. It was very suprised when I was declined for a card. My house and my cars were pay off, NO balance on any cards. I have a card that I use evereyday but I pay off when I get statement. No late payment of any kind.My job is stable. I still don't get it.. I don't need to fight for that. I will use my AMEX. Thanks for all your answers