Why do we have to PAY for FICO Scores??

[Pants]

A credit report is standard in the industry.. FICO scores are not.. There are Auto Enhanced FICO scores, Insurance enhanced FICO scores.. Certain lenders have other scoring systems too (American General as of last year does not use FICO. They have you rated on a scale of 1 to 5.) There is no way to look up your score at how each lender views you, as that information is likely to be top secret.. You can get your FICO online but what if the car dealer uses Auto Enhanced FICO scores which the average consumer is unable to access anywhere and can be a 20 point difference from your true FICO score?


The only thing that is industry standard these days are the credit reports. Those are how those scores are based. Only thing worth looking at is your credit report for discrepancies.

[marty56]

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@Anonymous wrote:

I just want to know if my FICO is as good as my credit report.

Sorry if I did not make myself clear and caused you "confusion"

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Why don't you try the free FICO score estimator ,  Open debate on it's accuracy but if you have a clean report a good AAoA credit mix, your scores should reflect that.  otherwise you gota pay to play. Capiche?

[laz98]

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@marty56 wrote:

Capiche?

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actually, it's capisci

[marty56]

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@laz98 wrote:

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@marty56 wrote:

Capiche?

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actually, it's capisci

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I took Latin in High School to help me with English, vocabulary and spelling.  It didn't help much..

[laz98]

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@marty56 wrote:

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@laz98 wrote:

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@marty56 wrote:

Capiche?

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actually, it's capisci

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I took Latin in High School to help me with English, vocabulary and spelling.  It didn't help much..

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  i bet most people feel that way!  i just took latin about 2 years ago, i love it! 

[haulingthescoreup]

Ha, now that we know that you're a linguistics major, we'll never give you a moment's rest! 

(actually, I always thought it was "capiche"  )

[laz98]

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@haulingthescoreup wrote:

Ha, now that we know that you're a linguistics major, we'll never give you a moment's rest! 

(actually, I always thought it was "capiche"  )

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LMAO!!!  that's why i'm such a spelling nazi

(oh, & most people get it wrong, so you guys are actually the majority!  LOL)

[larinoriani]

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I took Latin in High School to help me with English, vocabulary and spelling.  It didn't help much..

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  i bet most people feel that way!  i just took latin about 2 years ago, i love it! 

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Mmmmm, capisci is Italian, not Latin

[Walt_K]

And I believe "capiche" is the anglicisation of the Italian, so not exactly misspelled. 

[llecs]

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@Walt_K wrote:

And I believe "capiche" is the anglicisation of the Italian, so not exactly misspelled. 

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I googled and I think the root is "capire" or "capisco" for present tense, first person for Italian and comes from "conspicio" for Latin (with "capiche" being the Italian slang form of the word). I also took Latin and recall using "conspicio" for the word "to understand".

Who's thread did I just TJ?