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Why are credit scores different between my fico and true credit? Which one is most accurate or are they estimates?
Well Transunion have a seperate site where you can buy their credit report + Fico score for just TU
https://www.transunioncs.com/TCSWeb/entry/home.do;jsessionid=G8HvKR9ZvWLTgPN2zv3GTJC8rg1bJkDmCRQpn3FDfv2Wl7xpmK06!165216004
(you have to go to that cs site not their normal one, the regular TU site sells fako)
Equifax you can buy the Fico score from
http://www.equifax.com/fico-credit-score/
The experian Fico scores are no longer sold to the public, so you won't be able to get that unless you apply for a loan and can get the LO to give you your score.
If you decide to buy the Fico scores from TU and EQ on this site then make sure you google for myfico discount and you can find a code that will give you 25% off.
morganirish wrote:
So even if I pull my credit score and credit report directly from the CRA- it won't be accurate?
Susyquk wrote:
https://www.transunioncs.com/TCSWeb/entry/home.do;jsessionid=G8HvKR9ZvWLTgPN2zv3GTJC8rg1bJkDmCRQpn3FDfv2Wl7xpmK06!165216004
(you have to go to that cs site not their normal one, the regular TU site sells fako)
Equifax you can buy the Fico score from
http://www.equifax.com/fico-credit-score/
Well Transunion have a seperate site where you can buy their credit report + Fico score for just TU
The experian Fico scores are no longer sold to the public, so you won't be able to get that unless you apply for a loan and can get the LO to give you your score.
If you decide to buy the Fico scores from TU and EQ on this site then make sure you google for myfico discount and you can find a code that will give you 25% off.
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I'm looking into signing up for a monitoring program w/ actual FICO's
Equifax Score Watch thru myfico site is $8.95/mth or $89.95/yr
Equifax Score Watch thru EQ site is $9.95/mth which is 119.40/yr---with 25% discount is $89.55
Transunion Quartely thru myfico site is $4.95/mth or 49.95/yr(1 payment)
Transunion Quarterly thru TUcs.com(real fico) is $19.95/quarter which is 79.80/yr--with 25% discount is $59.95
So it appers Score Watch is the same cost essentialy whether EQ or myfico site
TU Quartely is $10 cheaper thru myfico site.
So, to track TU and EQ with FICO's will cost $140/yr
Myfico should offer a discount for ordering two products Score Watch and TU quarterly.
Actually I found a promo code for myfico for 20% off.
So 20% of TU quartely with 1 payment makes the price drop from 49.95/yr to $39.96/yr
Doesn'tbring up a promo code box on 1 yr Score Watch which is $89.95 but you have 1 mth trial free.
If you use the monthly billing option of Score Watch of $8.95 the 20% off drops it to $7.16/mth calculates out to $85.92/yr saves little from the $89.95 one time payment though I would prefer one lump sum payment.
So full year for both is $126