Re: Credit Monitoring Service (CMS) Guide
10-03-2010 08:12 PM
Hi, I am a newbie to this subject. After reading this thread, I have went to annualreport.com and pulled 3 credit reports from Experian, TU and Equifax for free.
Now, I would like to find my FICO score. It looks like If I buy FICO Standard product from myfico.com, it is going to give me FICO score from either Equifax or TU but not both.
1.Will the FICO score be different from each agency? If that is the case, do I have to pay twice to get the FICO score from both the agencies?
I am not looking for CMS yet. But, would like to know my FICO score.
Any suggestions, would be appreciated.
You can actually purchase both if you want to. I think you can do it at the same time (we could before). It seems like there's a checkbox where you can click on either or both. Be sure to google "myFICO discount code" first or check out tweeter.com/myfico. Without the discount, the cost per report w/score is $15.95. So, it's about $32 for both. I use a 25% code for TU and get it for $12 and some change and ScoreWatch subscribers get $5 off EQ at $10.95/report.
The formula used by all 3 CRAs differs. It would be sheer coincidence if any matched, and even if the reports are 100% exactly alike with the same accounts on each, then the score should still vary, but only by a little.