annualcreditreport, FAKOs?

[Anonymous]

Hi,

Somewhere in these forums I've read that annualcreditreport.com gives FAKOs. I just want to confirm if this is true because the annualcreditreport.com website states that they allow 1 free score per year directly from each CRA (Eq, Ex and TU). 

My next question is, will getting the free report from annualcreditreport.com result from a soft pull?.

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Thanks.

[Anonymous]

Equifax credit scores obtained through annualcreditreport.com are genuine FICO scores.  The scores from Experian and TransUnion are FAKOs.   According to the annualcreditreport.com website, you're able to obtain a free credit report "once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion."  However, you must purchase your credit score. 

A soft pull will appear as a result of requesting your annual credit report. 

Message Edited by psychic on 03-29-2008 12:00 PM

[Anonymous]

Thanks, psychic!

[Anonymous]

You're very welcome, BlueEagle!!!