topic Re: New to MyFICO in General Credit Topics

New to MyFICO

Anonymous — Wed, 08 Jul 2015 14:12:47 GMT

Good Morning All. I've lurked here for a while but I wanted to make it official by creating an account and being that much more focused on raising my credit score. Newbie question for everyone. I want to set up my profile with all my credit score/credit card information at the bottom like everyone has. How do I go about doing that? Where do I get the official numbers? I don't really belive in the numbers Credit Karma is showing me.

Thanks in advance for the help and I'm looking forward to becoming part of the community!

Re: New to MyFICO

tufa4311 — Wed, 08 Jul 2015 17:54:47 GMT

@Anonymous wrote:
Good Morning All. I've lurked here for a while but I wanted to make it official by creating an account and being that much more focused on raising my credit score. Newbie question for everyone. I want to set up my profile with all my credit score/credit card information at the bottom like everyone has. How do I go about doing that? Where do I get the official numbers? I don't really belive in the numbers Credit Karma is showing me.

Thanks in advance for the help and I'm looking forward to becoming part of the community!

Your FICO scores are your official number and they can be ordered here - go to Compare and Products a 1 Score or 3 Scores report (3 scores suggested but I assume it's more expensive, up to you).

In addition, go to My Settings - > Personal Info -> Signiture. The info you put in the Signature box will appear below your posts.

Re: New to MyFICO

SOGGIE — Wed, 08 Jul 2015 17:56:07 GMT

Welcome to MyFico Forums! I believe the answer to your question was answered on this thread: http://ficoforums.myfico.com/t5/SmorgasBoard/My-Fico-Dashboard-Scores/m-p/3722258/highlight/true#M44276?filter=labels%2Clocation&location=forum-board%3Asmorgasboard&q=fico+scores+signature

Re: New to MyFICO

Scupra — Wed, 08 Jul 2015 23:43:25 GMT

Welcome to myFICO!

Re: New to MyFICO

MT936 — Thu, 09 Jul 2015 19:22:40 GMT

welcome to MyFICO!

Re: New to MyFICO

Anonymous — Thu, 09 Jul 2015 20:36:31 GMT

Welcome to the group!

Re: New to MyFICO

Existentialist — Thu, 09 Jul 2015 23:22:09 GMT

Welcome. Thanx for taking that first step.

Re: New to MyFICO

sgs71 — Fri, 10 Jul 2015 02:22:25 GMT

Welcome! The people here are great and so helpful! Glad you officially became a member

Re: New to MyFICO

takeshi74 — Fri, 10 Jul 2015 12:57:55 GMT

@Anonymous wrote:
Where do I get the official numbers? I don't really belive in the numbers Credit Karma is showing me.

You purchase them from myFICO or obtain them through another source that provides them. Experian offers FICO scores. Some creditors also provide FICO scores with their product (e.g. Discover, Barclaycard, FNBO, PenFed, Citibank, etc).

You can believe Credit Karma's numbers but they are VantageScore 3.0. Always consider the specific scoring model if you're going to rely on numbers and do not rely on a score generated by one model to determine a score generated by a differnet model. Even FICO has a number of different scoring models used by creditors. For example, a FICO 8 is not the same as a FICO 8 Bankcard, a FICO 4 or a FICO NextGen. See also the Understanding FICO Scoring subforum and its stickies.