Confused

[Anonymous]

Im very confused. I recently signed up for the True Credit monthly monitoring service. Im still in the 'free trial' period. I did this because one of my credit card companys was reporting my credit score every month (as a perk, they claim) & they were showing it starting at 537 (experian, they claim). Needless to say, my credit has not been the best over the past few years & since I received my 1st mortgage 2 yrs ago I have been paying all my bills on time & have paid off most of the collections reported on my credit reports. My CC company showed a steady increase in my score over the past 6 months, 636 as of 1.5.10

So I signed up for True Credit on the 6th of this month, in an attempt to more closely monitor my progress. They show my scores as TU 655  EX 662  EQ 651. Then I read some of these forums claiming that True Credit's scoring system was considered "FAKO". So, I just now...a few moments ago, signed up for Score Watch. Here's where the confusion really sets in...

Score Watch is showing my EQ score as 547???? How am I to know which is real & which is not? How can I receive all 3 scores daily, I'm willing to pay for it...The web has been nothiing short of useless when researching companies that provide all the information I need, accurately. Last, but not least...Is True Credit's scoring system indeed fake?

Thanks for the help.

[Anonymous]

To help set you straight. You cannot buy your experian score. They stopped selling their scores to consumers. The only way to get it is when someone pulls your credit for a loan if you can get them to tell you or there is a credit union in PA that provides it to its members.

The scores you buy here on myfico.com are your REAL FICO scores.

You can also buy equifax at equifax.com and transunion at transunioncs.com note the cs at the end.

Truecredit and the scores given to you by your credit card are FAKOS and mean nothing.

So unfortunately your EQ is really a 547. As far as getting your scores daily you will just have to buy them daily. I use scorewatch but have never found a service to provide the FICOs daily. Score watch is good enough for me because you get your score and then it alerts you when it changes if you set it right so you dont have to keep buying the scores all the time.

Hope this helps.

[LIGHTNIN]

Welcome confused 1132 to the forums,

okstatefan is correct.

If you would like to save a little money, google "myfico discount code"

That can save you money on myfico products. To find them click on FICO Scores & Credit Reports @ top of this page.

Under each section it has a link "learn more" also at the top of that page "compare products"

Fico quarterly is for TU scores and reports. Hope this helps