topic Re: Ready to start rebuilding in General Credit Topics

Ready to start rebuilding

Anonymous — Mon, 29 Dec 2008 21:17:33 GMT

I just pulled my credit scores, but I only have one FICO score. Is it worth it to start looking at these reports even though they are not FICO? My EQ score came out much higher on this other report then it did on FICO.

EQ-610 FICO EQ-558

EX-599

TU-560

Re: Ready to start rebuilding

laz98 — Tue, 30 Dec 2008 06:27:40 GMT

you can look at the reports, but ONLY the fico scores you get here are valid. not the ones you get from credit monitoring services. i believe you can also get your TU score from transunioncs.com (not transunion.com) & your EQ from somewhere.......not sure where. experian i believe you can only get here.

Re: Ready to start rebuilding

Anonymous — Tue, 30 Dec 2008 11:52:19 GMT

laz is correct, the reports are fine. The best reports you can get come directly from the CRA as they are more detailed, providing you with some relevant information.

You can get all 3 of your true FICO scores on this website. (always google for a discount code)

Your EQ FICO from Equifax.

Your TU FICO from the website mentioned.

Your EX FICO only from here.

Message Edited by sidewinder on 12-30-2008 05:52 AM

Re: Ready to start rebuilding

Anonymous — Wed, 31 Dec 2008 01:31:29 GMT

Thanks so much!

I was super shocked to see my scores are way better on the other reporting site. My husband's FICO scores are better, so I guess that is good to hear.

I got the Suze Orman FICO kit from my mom, but I only have one score left that I can get and two people!

I will google for a discount code.

Is there a way to get monitoring for free or cheap? How does everyone know that their scores are improving?

Re: Ready to start rebuilding

Junejer — Wed, 31 Dec 2008 02:45:28 GMT

Hi laurieann. Please read Credit Scoring 101 stickied at the top of this thread. It will clearly explain the difference between FICO and FAKO scores. Please ignore the FAKO scores.

Many people on this forum use a CMS to monitor their reports and when they see some changes, then they purchase their FICO scores. If you are not about to app for anything, then don't worry about your FICO score. Just rebuild until it's time to apply.

GL