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Just remember Craig, These might not be real fico scores. They will probably be fako scores. There are only few places where you can get real fico scores.
Let us know where you are getting these free scores and we can tell you if it is fako or fico.
I recently just got one free at freeficoscore.com.
672
I tried to pay for the $14.95 monthly fee for Equifax and I had to call to verify identity. After several answers, they looked and said I don't have any accounts in my name? No need for a score.
What? I am new to credit but I am 23 years old. I have a Zales and Dell account but no CC. I also have student loans thar are deferred. I start paying one of them in June. That is all I have.
Help?
@ photobywes wrote:
I was wondering the same thing... I have CreditOne card and when you log into the account one of the "perks" is you can check up on your credit score. It says its from EX, and I clicked on it the other day, and immediately regretted it since I didnt know if it would be a hard inq or not. Anybody know?the CreditOne FAKO credit score check is a soft inq.
(checking your own credit score always = soft inq.)
hard pulls in general are placed only in connection with an explicit request for credit from a lender, any form of self check should always = soft. inq.
I took one of those free score offers floating around and pulled my real Equifax score today.
Incidentally, it was exactly the same FICO score as my FAKO from CK (they pull TU I think). But I guess that's just coincidence. Usually, the CK FAKO looks too good to be true.