09-30-2009 07:09 AM
Experian is reporting my credit score as 635
Equifax scorewatch has me at 619 a company pulled my credit report and they are showing 0
So I went to True credit and they have...TU-515 Exp 502 EQ-515
Im confused...I had recently made a thread about my credit report missing a lot of accounts with Equifax, and i tried to call them and they are showing no split reports and basically told me the creditors will have to request that the accounts be added back on. But true Credit is showing all of my accounts from equifax...What should i do?
09-30-2009 07:18 AM
True Credit sells FAKO scores they aren't really FICO scores. Experian is a Vantage score which isn't a real FICO score either. Only lenders can tell you your Experian FICO. Equifax should be correct if you pulled it from their website.
09-30-2009 01:11 PM
EQ FICO you can also get here at MyFico.
True Credit you can pull daily TU reports.
EQ and EX you can only pull every 30Days. Maybe it's just lag time until you pull your TC EQ report again.
How long has the EQ accounts been missing?
What i would do is, contact your creditors and ask if reporting to EQ......Make sure your info is right with the creditors..Full name, add, SS#, etc
Then contact True Credit and ask what's up with your EQ report.
Not all creditors report to all three CRA's.Some report to just one or two........Not uncommon to do this.
09-30-2009 02:00 PM - edited 09-30-2009 02:02 PM
Re: WHO HAS THE MOST ACCURATE INFO...??
No one. Its all a scam.
Really, even with the "FICO" scores you get here, lenders get something else anyways for the most part.
Mortgage lenders have different formulas that they will use to qualify you, auto loan lenders have a whole set of ficos that are
weighted for your auto loans and are disconnected from your FICO.
Its the wild west. There is virtually no accountability in the system and no real standard, no matter what FICO, Experian or anyone else tells you, their numbers are shots in the dark like everyone elses. Having the "real Fico Score" is subjective, like having "the bestest beer in the world".. Its marketing to the extreme and we all pay out a small fortune for it if their number is too low. Its good business for the CBs to give you a low score, as you will buy more of their product and use more of their services in an attempt to raise it.
The only thing you need to worry about is the actual content of the report, and again, its the wild west. the Dispute process is a joke of epic magnitude with virtually no accountability or real action to resolve errors or anything else for that matter. You are just as good as playing black jack, except it doesnt take the black jack table 30 days to get back to you.