topic confused? in Understanding FICO® Scoring

confused?

Anonymous — Wed, 27 Mar 2013 19:23:32 GMT

Currently myfico states my TU score is 668 and my EQ is 658. I was curious about my experian and wanted to pay for the 3 credit bureau report. So I bit the bullet and paid and my scores were TU 600, EQ 600 and EX 609. So whose scoring is correct? Also wwen I went ti experian.com to obtain the 3, it kicked me to FCR.com to show the data. Thanks in advance

Re: confused?

llecs — Wed, 27 Mar 2013 19:31:03 GMT

The scores from FCR are not FICO scores and no lenders use them. Ignore them and the advice too, though the report data is OK.

Re: confused?

Anonymous — Wed, 27 Mar 2013 21:37:27 GMT

so I paid 34 dollars for worthless scores grrrr but at the same time relieved to know myficos scores are relevant. Thx for the reply

Re: confused?

llecs — Wed, 27 Mar 2013 22:10:07 GMT

You're limited on the places to get your FICO score.

You can only buy your EQ FICO from myFICO, your lender, or from Equifax.com (buyer beware: the scores they push are a FAKO, but your EQ FICO can be purchased through EQ).

You can only buy your TU FICO from myFICO or your lender.

Finally, you can only buy your EX FICO from your lender. As of a few years ago, Experian blocked consumer access to your own EX FICO.

Aside from the above, you can also get your FICO scores for free or at a reduced price. Banks and CUs will offer it as a benefit. M&T Bank, Unitus Community Credit Union, and Digital Credit Union each offer an EQ FICO. You can get your TU FICO from Wal-Mart or Merrick Bank if you have CCs with them. And you can get your EX FICO from PA State Employees Credit Union (PSECU) if you have a checking account with them. There are other CUs out there that will offer a FICO if you ask them as part of a benefit for being a member.

Re: confused?

Anonymous — Thu, 28 Mar 2013 03:47:44 GMT

If you request your fico from your credit union, will it result in any type of hard pull?

Re: confused?

llecs — Thu, 28 Mar 2013 04:11:21 GMT

@Anonymous wrote:
If you request your fico from your credit union, will it result in any type of hard pull?

You'll have to ask them. Some CUs use programs, like BALANCE, to access credit reports and sometimes even FICO scores. Doing so results in a SP. However, some don't participate in programs like that and they might have to initiate a HP just to get a copy of the report and any score.