@dang729 wrote:
Fako. This is what it says:
The PLUS Score, with scores ranging from 330 to 830, is a user-friendly credit score model developed by Experian to help you see and understand how lenders view your credit worthiness. It is not used by lenders, but it is indicative of your overall credit risk. Higher scores represent a greater likelihood that you´ll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Your Credit Score is based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit score can vary if the information they have on file for you is different. And since the information in your file can change over time, your Credit Score may be different from day-to-day.
Lenders and insurers use several different credit scoring models so don't be surprised if your lender gives you a score that´s different from the PLUS Score you receive online. Just remember that your associated risk level is generally the same even if the number is not. If the lender´s score is lower than your online score, it is possible that this difference can lead to higher interest rates and sometimes credit denial.
And its the worst fako i've ever seen. They just keep giving me the same score month after month. Then maybe it changes 3 points, and i get that score for the next 6 months. Its completely absurd.
Barclays gives a TU Classic Risk Score 08 score about once every 60-66 days, unless there is a big change in your score that triggers them to get a score sooner.
Discover gives a TU Classic Risk Score 08 every month, provided something happened that required a monthly statement to be generated. Stop using the card for a month, and you get no score or statement that month.
FNBO gives an EX Bankcard Enhanced FICO score 2008 (250 - 900). FNBO cards that interest me are New York Life Visa Signature (1.5% cash back if you qualify for the signature version), and FNBO Direct ExtraEarnings Visa card 2X for first 12 billing cycles, then 1X after that, redeem 2500 points for $25.
DCU gives a EQ Classic Risk Score 2008 when you get their Checking and Savings account.
Walmart Store card or discover card gives a TU Classic Risk Score 2008
PSECU gives a EX Classic Risk Score 2004. must be in their banking region to join.
PenFed gives an EQ Fico NextGen score, with either a checking account or Credit card. Updated whenever Penfed decides to check your score.
Merrick gives a TU Bankcard Enhanced FICO 2008 score (250 - 900)
@dang729 wrote:Sorry for the double post. Does anyone who the Alliant score is? I have never heard of the vantage score.
I think vantage score is score that was made by the three cra , i don't know of any ccc that use it. BTW you can also find vantage scores on free sites like CK and credit.com
