Suze's Fico Kit vs Fico Deluxe AND will pulling my own credit/FICO scores affect my credit report?

[Anonymous]

What is the difference between Suze's Fico Kit and Fico Deluxe (other than the price) - they both give you FICO scores for all three bureaus, plus credit reports, right? Does anyone recommend one over another?

Also, I want to buy a house in 6 months - year. I don't want a lender to pull my credit report just yet as I don't want the inquiry to appear and affect my credit score. If I pull it with either of these products, does it appear as well and affect my score?

Thanks to everyone in advance for their input!

Message Edited by GreatCredit on 05-11-2007 03:05 PM

[Tuscani]

The Suze Kit offers a bit more. Coaching, debt payoff plan, detailed info on correcting inaccuracies, ect.

http://www.myfico.com/Products/FICOKit/Description.aspx

And pulling your own reports will never hurt you.

[Anonymous]

Credit inquiries are designated "hard" and "soft." Softs don't show up as inquiries and do not affect your score. Anytime you pull your own CR, it's a soft.

The Suze Orman kit gives more detailed advice. Plus, you get to see Suze Orman and her big wide smile on practically every page. (I'd rather see a randomly selected Beauty of the Week from the past 20 years or so of Jet magazine, or at least some swimsuit models from Sports Illustrated, but hey, that's just me.)

[smallfry]

Any discount codes on that S Orman package?

[Anonymous]

So if a lender wanted to shop some mortgage rates for me, could I provide them with the scores from Suze's kit so they can run estimates, since I don't want them to pull my report until I'm closer to buying? Does this make sense?

[Tuscani]

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GreatCredit wrote:
So if a lender wanted to shop some mortgage rates for me, could I provide them with the scores from Suze's kit so they can run estimates, since I don't want them to pull my report until I'm closer to buying? Does this make sense?

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Yes... but it is likely they will want to pull you scores themselves.

[Anonymous]

Always do a search for discount codes. CB, CIC and google.