Annual Credit Report

[JuliusC]

Good morning everyone! 

I don't know if anyone here does it, which I don't see why they would, but if you get your annual credit report and pay for the score, keep in mind that they are using the Vantage Score 3.0 model now, no longer FICO. I looked for other threads similar to this, so I'm sorry if I doubled on any other threads. 

[Anonymous]

I just hopped on to AnnualCreditReport.com and I do not see where they offer an option to purchase a score with them.  On the contrary they do seem to say that the report they provide will not include a score:

Your free annual credit report does not include credit scores

Am I missing something?

[Anonymous]

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@Anonymous wrote:

I just hopped on to AnnualCreditReport.com and I do not see where they offer an option to purchase a score with them.  On the contrary they do seem to say that the report they provide will not include a score:

Your free annual credit report does not include credit scores

Am I missing something?

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You initiate the request on annualcreditreport, but it will jump you to the individual bureaus' websites during the process, where those bureaus might sell you extra stuff, and that can be where the confusion comes from.

[Anonymous]

Ahhhh.... that sounds right.  As you can see, it's been a long time since I have pulled a report through ACR.  The last few years have given people ways to get free monthly or even weekly reports (from all three bureaus) that a person can get by without going there -- as long his 3rd-party reports and his credit scores look fine. 

Thanks to the OP for reminding people to avoid purchasing scores.  Even true FICO scores are available for free now.

[JuliusC]

I don't use ACR but I had a family member who did and when I saw his report, it showed Vantage scores. I told him he could have done CCT or if he wanted to micro check, he could always use myFico. Just didn't want people to pay outrageous prices for a non FICO score.