Best Place to get Reports

Marcos8 · ‎08-23-2013

Hello all! Just gathering some info about the differences I may see in a credit report depending on where I purchase them. I know that myFICO is the only place I can buy the 3 FICO scores. I also know that annualcreditreport.com gives one freebie report a year for each bureau.

My real question is if I was just interested in the place to purchase my reports scores aside and after I use up my freebies, does it matter if I get them from this site or is it better to go to each CRA and purchase them there. Is there a difference in content/magnitude/length of history in the report? Thanks

Shogun · ‎08-23-2013

Try here. CMS Monitoring Guide

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

takeshi74 · ‎08-24-2013

A CMS that allows for multiple pulls will probably be more cost effective if you're intending to pull multiple reports over a short period of time. IIRC soft pulls are only indicated on the report when purchased directly from the CRA.