fico score and free annual credit report

[Anonymous]

i tried to pull a free credit report, been more than 2 mo since i have. it would not let me, said there was a freeze? anyone know what that may mean?

also, if i use score watch are these scores accurate? will this be the same score my LO may pull?

[haulingthescoreup]

Where did you try to pull a free report?

If it was from annualcreditreport-dot-com (the only legitimate site), you have to wait a year, precisely, before you can pull another freebie.

Scorewatch provides the Beacon 5.0 Equifax FICO score, which is what a lender using EQ would normally pull.

Equifax is the ONLY credit bureau that will sell you your FICO directly from their site. Experian won't sell you your FICO at all, from anywhere. TransUnion will sell you your FICO if you go to www.transunioncs.com <--note the -cs there. The score from their regular site is a FAKO.