@Anonymous wrote:
I got them through "TrueCredit" Its a service offered by Transunion. I've used it for quite a while. It gives you credit scores, reports, solutions, advise, lots of well used 'stuff'.
The scores at TC are called VantageScores and are not FICO scores. VS uses a different scoring formula and score ranges. For example VS ranges from 501-990 whereas FICO ranges from 300-850. A very few lenders have begun to use VS's but IMO it's still very unreliable.
So the bottom line is that with those VS's you still don't know where you stand with true FICO scores.
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.
At one time you could also purchase your Transunion score at transunioncs.com but that site seems to have stopped doing that. Wal Mart now offers a TU score to those who have their store card and the Discover version.
Equifax will still sell you a FICO score found here: www.equifax.com/web-myfico-products/
Also although the reports at TC are accurate the advice given there needs to be ignored. It can often be the exact opposite of what someone really needs to do to improve their credit situation.
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".
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