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jarablue
Posts: 7
Registered: ‎04-29-2011
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Best way to get credit reports...3 in 1 or separate?

[ Edited ]

I was thinking of getting the Equifax 3 in 1 credit report with score for 19.99.  Is this the best offer?  I want to get the most accurate credit data.  Is there anything better than what Equifax offers?  What did you guys use?  Also what is the best way to go about trying a PFD?

 

Thanks!  :smileyhappy:

Established Contributor
bettercreditguy1
Posts: 760
Registered: ‎02-11-2012
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Re: Best way to get credit reports...3 in 1 or separate?

Combined credit reports give you a very good idea what is in all of the bureaus. Some finite transaction details and FICO scores are often not included.

 

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010
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Re: Best way to get credit reports...3 in 1 or separate?

Be sure to verify that will be a true FICO score, I suspect Equifax gives their FAKO score with the three-in-one product.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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HiLine
Posts: 3,092
Registered: ‎10-19-2012
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Re: Best way to get credit reports...3 in 1 or separate?

If you only need credit reports, just order them on the phone or online; you're entitled to one from each credit bureau per year. If you're denied for credit, you're entitled to another from each of the credit bureau that reported your credit. 

 

If you need a FICO score, you pretty much have to buy it through myfico.com

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distantarray
Posts: 2,112
Registered: ‎09-25-2011
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Re: Best way to get credit reports...3 in 1 or separate?


HiLine wrote:

 

If you need a FICO score, you pretty much have to buy it through myfico.com


Scorewatch from Equifax is a true Fico04 score 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
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HiLine
Posts: 3,092
Registered: ‎10-19-2012
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Re: Best way to get credit reports...3 in 1 or separate?

 


distantarray wrote:

HiLine wrote:

 

If you need a FICO score, you pretty much have to buy it through myfico.com


Scorewatch from Equifax is a true Fico04 score 


Isn't Score Watch a myFICO service?

Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
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Re: Best way to get credit reports...3 in 1 or separate?

MyFICO offers SW. Equifax.com also offers a very similar version of SW.

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HiLine
Posts: 3,092
Registered: ‎10-19-2012
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Re: Best way to get credit reports...3 in 1 or separate?


llecs wrote:

MyFICO offers SW. Equifax.com also offers a very similar version of SW.


Do you have any information about their scoring model? 

Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
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Re: Best way to get credit reports...3 in 1 or separate?

Exact same. All EQ FICO versions that are self-pull (e.g. myFICO, Equifax.com, M&T Bank's FICO service, DCU's free EQ FICO, etc.), are all Beacon 5.0, same as on here. There are no EQ FICO versions available to the public without the help of a lender (assuming they offer a version other than on here). 

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HiLine
Posts: 3,092
Registered: ‎10-19-2012
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Re: Best way to get credit reports...3 in 1 or separate?


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