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Oh, I see. I am not sure when it was last updated. However, I did get my annual credit report in January. I would rather wait until then to pull again, by that time, I will have more of my CO's paid off and my credit card usage will be lower. Also, I think it is free. If I wanted one now, won't I have to pay for it?
Hey Guiness,
I just wanted to add that I did purchase an updated score from Eq and got all three: here is what they said (which differs from Fico-Fico is actually lower)
Equifax
As of 08/05/2013
586
FAIR
As of 08/05/2013
574
FAIR
As of 08/05/2013
585
FAIR
Delinquency Rates*
*Delinquency Rate is defined as the percentage of borrowers who reach 90 days past due or worse (such as bankruptcy or account charge-off) on any credit account over a two year period.
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You can only get them once evey 12 months. If you went to the CRAs individually, yes, you would have to pay.
I wouldn't bother with the scores from EQ since they are FAKOs. Unless you use them just for educational purposes.
Thank Guiness,
That is what I thought. Thank you for all your advise.