@rredstick9 wrote:
okay, where do I get my real scores that lenders use?
Barclays, Discover, Walmart offer FICO 08 to their card holders, PenFed credit union and Digital Credit Union offer real scores to their account holders. Others can weigh in on several other lenders that offer free "real" credit scores. That being said, without membership or being a cardholder with any of these, you can purchase them from this site see "compare our products" for your options. Be aware that buying scores from the CRA's are not the same as true FICO scores as they use 'plus" or Vantage or some internal scoring models.
An alternate way, although not always the best way, is usually when you apply for credit - cards or otherwise - the lender will provide you a score whether you are approved or rejected for your application. I believe there is a sticky thread on these boards that lists a whole bunch of ways to get scores, some real some non-FICO (I didn't bother to search the board, but you can).
