Starting Score: 527
LynetteM wrote:
msberry28 wrote:
Oh ok. Well how do I get accurate scores to better tell me where I stand on my credit?I believe the Equifax score you got from their site is a true FICO score. If I am wrong on that, someone will soon come along with a correction.
For your TransUnion FICO score, you can get that here from myFICO, or you can get it from transunioncs.com (note the 'cs').
That would give you 2 of your 3 FICO scores, and the Experian FICO isn't available for consumers to buy.
I would suggest that you do some reading here in the forums, especially on the Rebuilding Your Credit forum. You may have ways available to you to accomplish some credit repair before applying for a dept. store card.
Yep, the score from the Equifax site is the Equifax FICO score.
You can get your TU FICO here at myFICO (google the discount codes first) or from www.transunioncs.com <--note the cs; this is NOT the regular TU site, which will happily lead you to FAKO's.
And as others explained, consumers are basically SOL for their Experian FICO's.
Meanwhile, Experian is doing a nice little business in selling their FAKO scores.
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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