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

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jarablue
Established Member

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

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!  Smiley Happy

Message 1 of 11
10 REPLIES 10
bettercreditguy1
Established Contributor

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

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.

 

Updated scores 3/7/21 TU 849, EQ 829, Ex 818 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience
Message 2 of 11
chasmith
Valued Contributor

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

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

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
Message 3 of 11
HiLine
Blogger

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

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

Message 4 of 11
distantarray
Established Contributor

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


@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 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 5 of 11
HiLine
Blogger

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

 


@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?

Message 6 of 11
llecs
Moderator Emeritus

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

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

Message 7 of 11
HiLine
Blogger

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


@llecs wrote:

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


Do you have any information about their scoring model? 

Message 8 of 11
llecs
Moderator Emeritus

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

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). 

Message 9 of 11
HiLine
Blogger

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

Message 10 of 11
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