How do I get my scores from all three Fico unions?

[Anonymous]

The estimator thing imo I don't think is accurate so I would like to find out my actual scores. You can find out your scores for free I thought once a month with a soft pull? Or to be able to get accuracy do I need to pay? And also how do I get my credit reports as well? I'm asking all of this so I can see when I filed applications a while back for three dealerships if they pulled more than they should have. I never got financed so I would think it should be just one inquiry from each of those three. I also recently filed another application with a KIA dealership I almost got close with but they said they would not send it nowhere unless something could be done.

[StartingOver10]

You can get your free credit reports (but don't get their scores) at www.annualcreditreport.com  

Those credit reports can only be obtained for free one time per year.  Some people choose to get one report and then 3 or 4 months later get another report from one of the other CRA's and then another 3 or 4 months later get the last report from the last CRA.  This way you have the year covered, but you are looking at different sources (TU, EX and EQ).  Personally I would rather pull all three at once so I can see if there are any errors.

You get your scores here.  There are many FICO scores. Start here and then go to Understanding FICO scoring:  http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-version...

IIRC I think you just were discharged from Bk last Sept 2015.  There is a terrific thread on getting to 700 in 24 months that you may want to review - it has good advice for recovering from Bk - or even if you haven't filed Bk but need to rebuild:  http://ficoforums.myfico.com/t5/Bankruptcy/HOW-TO-From-BK7-discharge-to-700-in-24-months-or-less/td-...

[Anonymous]

No I did not file bk. Anyways, I actually went to Transunion signed up for the trial and cancelled. Got my score and report for that one alone. Then Experian, and will have to cancel tomorrow, same thing. And got my equifax from Quizzle whch is free. Surprisingly I am late 600s on all three close to 700 on Exp. and it appeared there were no inquiries done at the dealerships. I guess they never got to the banks and made a decision upfront. MyFico estimation was indeed wrong.

[StartingOver10]

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@Anonymous wrote:

No I did not file bk. Anyways, I actually went to Transunion signed up for the trial and cancelled. Got my score and report for that one alone. Then Experian, and will have to cancel tomorrow, same thing. And got my equifax from Quizzle whch is free. Surprisingly I am late 600s on all three close to 700 on Exp. and it appeared there were no inquiries done at the dealerships. I guess they never got to the banks and made a decision upfront. MyFico estimation was indeed wrong.

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Those scores offered by Transunion are NOT FICO scores. They are educational scores.  The score offered by Experian is a FICO score.  The score from Quizzle is a Vantage Score, which is not FICO.

[takeshi74]

There are many scoring models used by creditors and there also models that are not used by creditors.  Do not assume all models to be equivalent.  Always consider the specific model & CRA and also consider the relevance of a given model/CRA combo to a given creditor.  FICO 8 is the most commonly used FICO model but it is not the only model used by all creditors.

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@Anonymous wrote:

You can find out your scores for free I thought once a month with a soft pull?

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There are sources for free scores but, again, not all are used by creditors and not every free score is the same model.  Some creditors provide customers with a FICO but even FICO has many models used by creditors.  StartingOver10 posted a link to the Understanding FICO Scoring subforum and it has stickies on the various FICO models used by creditors.  For most scoring models you'll have a score with each of the 3 major CRA's.

I'm not aware of any source that will provide you a FICO without a credit product.  You can, however, purchase FICO's form myFICO and some other sources such as Credit Check Total., Experian (be careful as some products are FICO's and some are not), etc.

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@Anonymous wrote:

Or to be able to get accuracy do I need to pay?

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Don't rely on "acurracy" either.  Any score is accurate but only for its own model.  Again, consider the relevance of a given model/CRA combo to given creditor.  If, for example, a creditor/product uses a TU FICO 4 then an EX FICO 8 will not matter for that creditor/product.  If you want to know what score will be pulled for a credit decision then you need to know the model and CRA used and pull that specific score.  You cannot use a score generatd by another model and/or CRA to determine another score.

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@Anonymous wrote:

And also how do I get my credit reports as well?.

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You can pull your reports from multiple sources.  You can pull once a year from the Annual Credit Report site.  You can pull any time you want by paying each of the 3 major CRA's directly.  You can use a credit monitoring service and pull as often as the service allows.

Note that if you want to view soft pulls you need to get reports directly from each CRA (not via one of their services but just the report) or via the Annual Credit Report site (which really just redirects you to each CRA).

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@Anonymous wrote:

I'm asking all of this so I can see when I filed applications a while back for three dealerships if they pulled more than they should have.

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If auto inquiries are properly coded and all within a given timeframe (I don't recall what timeframe off the top of my head) they will count as one for scoring purposes.  However, they will appear separate on your reports.

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@Anonymous wrote:

I never got financed so I would think it should be just one inquiry from each of those three.

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Whether or not you got financed and how many pulls you incurred are two entirely diffeent things.  Don't assume just one pull for each.  If you want to control pulls when auto shopping then arrange your own financing ahead of time and do not allow delaerships to pull your credit.  Dealerships commonly perform multiple pulls.

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@Anonymous wrote:

Anyways, I actually went to Transunion signed up for the trial and cancelled. Got my score and report for that one alone. Then Experian, and will have to cancel tomorrow, same thing. And got my equifax from Quizzle whch is free. 

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Again, consider the specific scoring model and not just the CRA.

IIRC TransUnion provides a VantageScore.  That will only be relevant to creditors that use a TU VantageScore.  Most creditors use one of the FICO models.

IIRC Experian provides a FICO 8.  That score will only be relvant to creditors that use an EX FICO 8.  Some creditors and products may use a different model based on Experian data.

Quizzle provides an EQ VantageScore as indicated on their site.  That will only be relevant to creditors that use an EQ Vantagescore.

[Anonymous]

How many extra points is a vantage score 3.0? And the points difference between a Fico 4 and 8?

[Thomas_Thumb]

The credit models do not correlate with one another directly. In general terms they all look favorably on low CC utilization, low balance to loan ratio and a stable, aged profile with few new accounts. They all punish you for lates and other negatives

I have seen posters with Fico 04 scores higher than their Fico 08 scores and other posters with the reverse. Likewise, posted VantageScore 3.0 values well above their Fico 8 scores while others have VS 3.0 scores well below their Fico scores.

Each model uses scorecards and your profile is assigned to one of the model's scorecards. Scoring factors are given more or less weight depending on the scorecard. That is one reason why certain factor changes affect my score differently than yours.

The best I can say is if your scores are trending upward month over month on one model, odds are good scores are improving on the other models as well. Conversely, if you had a clean profile and post a 60 or 90 day late, expect a deep dive on all scoring models.

Note: score scale is 300 to 850 for Fico 98, Fico 04, Fico 08 and VS 3.0. However, Max real world top score is less than 850 for some models.

See below link to score table summary in "The Many flavors of Fico" thread for details.

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-version...

[Anonymous]

Those scores (from TU, Credit Karma, Identity Guard, Cap1 etc) are called FAKOS as they are not true FICO scores. They are also referred to as "educational" scores. While the number itself is not accurate, they are beneifical in seeing what aspects of your report have the biggest impact and what you can do to improve. Some places (like My Fico and CCT) are a bit more accurate, but as was mentioned, you will most likely never get the actual numbers any lender will pull as they change. Annualcreditreport.com is anpother useful tool as, while you don't get an actual number, you will see what is on your report. Since a majority of you FICO is based on UT, payment history and length of history, you can set youself up for the best chance of approval when going for a specific product. 

Keep in mind, different loan types may emphasize different areas of you credit. A car loan may put more weight on previous installment credit types where a mortgage may put more on payment history. Some lenders put a high value on inquiries while others will do so regarding new accounts.cCredit Check Total will give you a fairly accurate report for a trial of $1 for a month. In the end the number itself is a gauge, but there are many other factors that can have an effect. There are very few places to get a truly accurate FICO. 

I recently started aquiring credit cards and have been focusing on building credit. I made a point to keep my utilization low and my payments up to date. I also tried to keep the inquiries at a minimum (which means really thinking about what you want to apply for as each denial makes it a bit harder to get the next one) I learned that every lender will look at a different area, but they all have an impact. The point is, don't worry about the number so much and worry more about the content. those "FAKO" reports will still show you what needs improvement. Regardless of whether they say you have a 750 score, if the show it "below average" you'll know you need to improve. If you get declined, call the lender and ask them what specifically they looked at and you know what to make better for next time.