Fico Score

[Anonymous]

So I am gathering that my FICO score is my true credit score that all lenders look at? Not the ones given by freecreditreport.com and true credit?

[modernsurrender]

The ones from here are indeed real, while the others are "fake"... worked well for me since 2 of the 3 here were higher than truecredit reported anyways.  They're all still bad but I'll take what I can get lol!

[fishbjc]

they're bad now, but if you follow advice given here, you'll see them climb.  Good Luck!

[modernsurrender]

hehe, that's what I'm hoping for!  I've read tons of threads and posts, still confused but working on it none the less. 

[pattycake]

The scores you see here on myfico.com are as close to the ones your creditors will pull as anything. You see a consumer score, but they see what is known as an "enhanced" score, so it is a little different than what you pay for. Good luck to you, and those scores will go up in short order - just follow the advice of the posters here!

[fishbjc]

Start by asking questions and don't be afraid!  Do you have any collections you need help with?  That can make a big difference by getting those deleted.

My dh's scores raised by 105 in one month thanks to MyFico board information!

[Junejer]

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@Anonymous wrote:

So I am gathering that my FICO score is my true credit score that all lenders look at? Not the ones given by freecreditreport.com and true credit?

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The scores that you get here from myfico.com are FICO scores. Most, about 90% of, lenders use FICO. Auto dealers use "auto-enhanced" FICOs and some CCCs use enhanced FICOs, as well. The scores will be exactly the same if a bank, CU or mortgage lender pulled your FICO as the ones from myfico.com.