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@youngandcreditwrthy wrote:
Too bad the CFPB, Card Act, or TILA do not make them provide those scores :-/ lol
worst part is I would pay for it, they don't have to provide it =\
They're losing business here
I do WM TU08 + CK + CS + CI + my free Annual Report.
The only reason for *me* to buy a report is if I see a violent swing in my score that isn't expected.
Best part is they're all free services
@SpeedingWheels wrote:I do WM TU08 + CK + CS + CI + my free Annual Report.
The only reason for *me* to buy a report is if I see a violent swing in my score that isn't expected.
Best part is they're all free services
CI? and your missing quizzle and credit.com =)
Sigh...Also guilty.
TU: QM, WM, CK
EQ: SW
EX: CS
Not sure why EX doesn't want my money, but I'd pay for my EX scores too.
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |
EX: credit.com, try this out. It's a free service, not a Fico, but they give you both your "estimated" Fico and Vantage EX scores monthly.
@Jutz wrote:Sigh...Also guilty.
TU: QM, WM, CK
EQ: SW
EX: CS
Not sure why EX doesn't want my money, but I'd pay for my EX scores too.
Cause EX makes more by misleading millions of people a year with freecreditreport.com freescore.com and millions of sites that provide the Experian Plus score. People think they know their scores, then get declined cause the scores were off and keeps many people who have questionable credit from ever applying for new lines of credit which helps the banks.
Personally I'm sure they have a deal with eachother, cause there's NO reason besides profit margins that they would NOT sell you your real score. You should be able to go to a bank and request your scores before you have to apply for something. No point in a useless decline or acceptance of bad terms.
They won't sell it to you because more inquries = drop in credit score = better profit margins for the banks or other lending companies is generally all it comes down to. If you don't have your real score then it's easier to create problems that would make it harder for you to get prime loans. Personally I think every Fako score should be considered fraud unless it boldly state "Scores might not be reflect or match the same scores that the lenders will pull, a Fico score is what most lenders use" and should have a list of every bank or institutions that uses the Experian Plus score if any. I believe FICO should also list all the companies who uses Fico scoring for their risk assement as well, but that's bordering too much on the concept of common sense and a honest business practice. No one wants honesty they just want comforting lies.
CI is Credit Inform - free with my Cap1 secured card.
And you're right, Quizzle gives a free score every 6 months.
I don't remember if I have an account at credit.com
going to check now... LOL
@SpeedingWheels wrote:CI is Credit Inform - free with my Cap1 secured card.
And you're right, Quizzle gives a free score every 6 months.
I don't remember if I have an account at credit.com
going to check now... LOL
I think you should also add Quizzle is the ONLY 100% site out of everything that gives you a Credit REPORT. minus annualcreditreport.com
Didn't know that about Quizzle, I may check it out. As far as EX goes, the PLUS scoring is a joke, they hype it to sound official, and frankly 10-12 months ago I would have assumed that was my credit score. Vantage is bad as well, but at least TU gives their FICO in a variety of ways.
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |