topic Re: Does your Annual Credit Report have true FICO's? in General Credit Topics

Does your Annual Credit Report have true FICO's?

TilltedBrim — Thu, 24 Nov 2011 04:50:00 GMT

Just wondering if I pay pull the annualcreditreport.com does it provide a FICO score or a FAKO?

Re: Does your Annual Credit Report have true FICO's?

Anonymous — Thu, 24 Nov 2011 04:59:01 GMT

@TilltedBrim wrote:
Just wondering if I pay pull the annualcreditreport.com does it provide a FICO score or a FAKO?

The report itself won't have your score, you have to purchase the score separately, ~~but it is a FICO~~.

Edit: Actually, I'm not sure if it's FICO or FAKO, but I do know you have to pay for the score even though you can get a free report each year.

Re: Does your Annual Credit Report have true FICO's?

MarineVietVet — Thu, 24 Nov 2011 05:04:13 GMT

@TilltedBrim wrote:
Just wondering if I pay pull the annualcreditreport.com does it provide a FICO score or a FAKO?

It's for certain that the links from ACR to Experian and Transunion are FAKO scores.

The link to Equifax is not as certain. EQ sells both FICO scores and their own "Equifax Credit Score" which is not an EQ FICO. You have to be very careful when you go there.

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

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".

Re: Does your Annual Credit Report have true FICO's?

TilltedBrim — Thu, 24 Nov 2011 09:41:24 GMT

Thank you both for replying so quickly...