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@LilyBee wrote:I was about to check my FICO scores, but MYFICO is offering the option of getting either Equifax or TransUnion, for $19.95. Why not buy one, get one free, like grocery stores?
If not, which is the better score to get; i.e., which one do creditors usually check? I'd rather get both scores, but not at the current price for one. Anyone know when the sale price for scores will be available? I'm getting cheap in my later years.
MyFICO has to pay a fee to the CRAs each time you pull a report, so they probably don't offer that because they'd lose with each pull. There are occassional discount codes. In fact one was just on here and expired a couple days ago. Continually check this site, FB, and Twitter for updates. They offer them a few times each year. Also if you are a subscriber to TUQM you get 20% off future reports. If you have SW, you get 30% off.
YMMV on the creditors. They each have their on preferences on what to pull.
I just got my score for the first time on the free trail and it was 785. Now my question is the score that they are showing my on myfico.com accurte to the score that say a bank will run for a mortgage ? Cause i used Freecreditreport.com and the score was pretty much the same, i just wanted to make sure that this is the accurate score cause i know some people say that Freecreditreport.com score is not accurate.
thanks.
@Anonymous wrote:I just got my score for the first time on the free trail and it was 785. Now my question is the score that they are showing my on myfico.com accurte to the score that say a bank will run for a mortgage ? Cause i used Freecreditreport.com and the score was pretty much the same, i just wanted to make sure that this is the accurate score cause i know some people say that Freecreditreport.com score is not accurate.
thanks.
Freecredit report is accurate to within 200 points of your actual FICO. If the two scores were close, then it was just by chance. Which score did you pull here? TU or EQ. Both of them offered here are FICO scores, and should be about what your mortgage pull would be.
I don't know if anyone has asked this:
On what scoring model is the 760 benchmark based?
the score that i put up her is the (Equifax FICO® score) thats shows up when i logged in.
That is a FICO/Beacon 5.0 score. The same exact one a lender would pull for a mortgage.
By the way, there are two categories in the Forum that are similar, this one: Expanded "FICO High Achievers" (Scores of 760 and above); and the other: "Those with at least one score of 760."
Seems a bit redundant to me.
@LilyBee wrote:
By the way, there are two categories in the Forum that are similar, this one: Expanded "FICO High Achievers" (Scores of 760 and above); and the other: "Those with at least one score of 760."
Seems a bit redundant to me.
I noticed that the first thread was active even at the time the second thread started up. Don't the moderators catch that kind of stuff? But seriously, the redundancy pushes regular threads below the screen, and that's the worst of it, I think.
Long time Fico score watcher, first time on this forum though. I'm working on my wife's FICO. My score is fine though, sitting at 817. From what I gather it's considered very low risk from what I am seeing in these forums
Do I qualify HIGH 775 until mortgage lender runs it then I take a -50 point hit.