Start with pulling your FREE CR's from (ACR) annualcreditreport.com . they tend to have more info on them, then ones from a 3rd party. The CR's from ACR, come directly from each of the CRA's. You can pull 1 Free CR from TU,EQ and EX every 12 months.
Save your money and Don't Buy the Scores, they are what we call FAKO's.
Have you pulled your direct free ones yet?
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Finally typed one faster than guiness,, OK,, I used a macro.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
I pulled my free annual scores in Oct. 12. Gotta wait to pull them again. **sigh**
Starting Score: 02/2013 606(TU-myFICO); 647(EQ-CreditExpert); 578(EX-CreditExpert) Cool, thanks! I'm setting that in motion now.
Equifax is charging $7.00 for the FICO score. Is this right?
What now, then? Trans Union also had a $7.95 fee for their FICO/FAKO score too. Should I just go ahead and get the reports, and work from them? I'd really like to know what my true FICO scores are at this point, so that I can accurately monitor my progress.