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MarineVietVet
Posts: 14,960
Registered: ‎07-14-2009
Re: Differences between scoring

ktlynn_74 wrote:

Thank you thats very helpful.  Do you if I can get this exact scoring anywhere?  Is there something that is close to it if I can't?  I know my fico and my vantage score and most FAKO's, but they run the gamate as being diffrent.  Some I'm in the 570's some I'm in the 640's.


So the lender did not actually pull your scores? I guess that confused me.

 

No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU (PSECU) in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myFICO. You can get both your Transunion and Equifax scores here although the TU version sold here in an older TU98 version.

At one time you could also purchase your Transunion score at transunioncs.com but no more. Wal Mart now offers a TU08 score to those who have their store card and the Discover version.

Equifax will still sell you a FICO score found here: www.equifax.com/web-myfico-products/

 

The VantageScore is used by a few lenders but I wouldn't rely on that.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".