topic Re: Best way to get credit reports...3 in 1 or separate? in General Credit Topics

Best way to get credit reports...3 in 1 or separate?

jarablue — Fri, 19 Oct 2012 00:44:05 GMT

I was thinking of getting the Equifax 3 in 1 credit report with score for 19.99. Is this the best offer? I want to get the most accurate credit data. Is there anything better than what Equifax offers? What did you guys use? Also what is the best way to go about trying a PFD?

Thanks!

Re: Best way to get credit reports...3 in 1 or separate?

bettercreditguy1 — Fri, 19 Oct 2012 11:26:49 GMT

Combined credit reports give you a very good idea what is in all of the bureaus. Some finite transaction details and FICO scores are often not included.

Re: Best way to get credit reports...3 in 1 or separate?

chasmith — Fri, 19 Oct 2012 12:00:09 GMT

Be sure to verify that will be a true FICO score, I suspect Equifax gives their FAKO score with the three-in-one product.

Re: Best way to get credit reports...3 in 1 or separate?

HiLine — Sun, 21 Oct 2012 22:36:00 GMT

If you only need credit reports, just order them on the phone or online; you're entitled to one from each credit bureau per year. If you're denied for credit, you're entitled to another from each of the credit bureau that reported your credit.

If you need a FICO score, you pretty much have to buy it through myfico.com

Re: Best way to get credit reports...3 in 1 or separate?

distantarray — Mon, 22 Oct 2012 11:30:10 GMT

@HiLine wrote:

If you need a FICO score, you pretty much have to buy it through myfico.com

Scorewatch from Equifax is a true Fico04 score

Re: Best way to get credit reports...3 in 1 or separate?

HiLine — Tue, 23 Oct 2012 16:48:49 GMT

@distantarray wrote:
@HiLine wrote:

If you need a FICO score, you pretty much have to buy it through myfico.com
Scorewatch from Equifax is a true Fico04 score

Isn't Score Watch a myFICO service?

Re: Best way to get credit reports...3 in 1 or separate?

llecs — Wed, 24 Oct 2012 04:27:05 GMT

MyFICO offers SW. Equifax.com also offers a very similar version of SW.

Re: Best way to get credit reports...3 in 1 or separate?

HiLine — Wed, 24 Oct 2012 05:35:21 GMT

@llecs wrote:
MyFICO offers SW. Equifax.com also offers a very similar version of SW.

Do you have any information about their scoring model?

Re: Best way to get credit reports...3 in 1 or separate?

llecs — Wed, 24 Oct 2012 08:07:55 GMT

Exact same. All EQ FICO versions that are self-pull (e.g. myFICO, Equifax.com, M&T Bank's FICO service, DCU's free EQ FICO, etc.), are all Beacon 5.0, same as on here. There are no EQ FICO versions available to the public without the help of a lender (assuming they offer a version other than on here).

Re: Best way to get credit reports...3 in 1 or separate?

HiLine — Wed, 24 Oct 2012 19:22:55 GMT

Thanks for the informative response!

Re: Best way to get credit reports...3 in 1 or separate?

beb86 — Thu, 25 Oct 2012 06:49:32 GMT

If you haven't done so before you could go to annualcreditreport.com and pull one from each CRA that will give you the exact information that you are looking for and the best part its free