Hi there, I am new to the boards and will have a bunch of questions, but thought I'd start with an easy one 
I purchased the Equifax Complete package which provided me with EQ, EX and TU credit scores. Are these real scores that lenders would use or just "estimated scores" based on my credit report?
If they are not real, should I purchase those from myFICO?
I am in the market for a house in about 9-12 months so trying to get as familiar as possible with all this. I'll post my scores once I know what they really are
Thanks in advance!
@JVnyc wrote:Hi there, I am new to the boards and will have a bunch of questions, but thought I'd start with an easy one
I purchased the Equifax Complete package which provided me with EQ, EX and TU credit scores. Are these real scores that lenders would use or just "estimated scores" based on my credit report?
If they are not real, should I purchase those from myFICO?
I am in the market for a house in about 9-12 months so trying to get as familiar as possible with all this. I'll post my scores once I know what they really are
Thanks in advance!
Hello and welcome.
Unfortunately none of those scores are FICO scores. No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU (PSECU) in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myFICO. I suggest you do an internet search for "myfico discount codes" to save a little money.
You can also purchase your Transunion score at www.transunioncs.com. At www.equifax.com EQ will still sell you an EQ FICO score but you have to look very hard to find it.
From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".