How do you get full copies from Equifax/Transunion?

[Anonymous]

I pulled two fico reports.  There is a lot of information missing. How do I get the full print out from equifax and transunion?  I'm a bit hesistant to believe that my score is so high. I'd rather see it in a printout from the company. I'm in the market for a mortgage...advise.

[haulingthescoreup]

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Melodeeny wrote:
I pulled two fico reports.  There is a lot of information missing. How do I get the full print out from equifax and transunion?  I'm a bit hesistant to believe that my score is so high. I'd rather see it in a printout from the company. I'm in the market for a mortgage...advise.

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The scores that you get here are the accurate ones.

You can get your EQ FICO directly from them, but you have to make sure that whatever product you're ordering includes your FICO score.

It's possible to get your TU FICO from them, but it's a special website: www.transunioncs.com (note the cs at the end.)

At any rate, there's no need; you'd just be paying twice for the same score.

To get the full reports, if you haven't pulled within the last year, go to annualcreditreport.com .

If you've already pulled within the last year, you'll need to go to the bureau sites and pay for a report from there. Again, don't worry about a score.

www.equifax.com

www.transunion.com

www.experian.com (Experian no longer allows consumers to buy their FICO scores. So do NOT pay for a score from them; it's a FAKO.)

Message Edited by haulingthescoreup on 03-22-2009 07:14 PM

[Anonymous]

+1, the scores are accurate, but if you want to see all of your info in the raw and without interpretation and see all the inquiries like the soft ones and goodies like that, then you need to pull the report from the original CRA and to do that for free, you get one from each through annualcredit (NOT freecreditreport, that's fake) and then if you need more through the year, you just pay for it.

[Anonymous]

With Equifax, you can tell them on the form at www.equifax.com/fcra that you were denied credit and get a free report.  They don't seem to check to see if you did indeed apply for and were denied credit.  But don't do this too often.  This also works with Experian (http://www.experian.com/reportaccess), but you have to put in a business name and date that you were denied.  Again, though, they don't appear to verify it.

TransUnion is a bit different: Just start an online dispute (report an inaccuracy), and you'll be able to get a free report.  You'll need a TransUnion account, however; but if you have a TrueCredit account, you can use the same login and password 

[Anonymous]

Yes, any time you are denied credit you are also entitled from the CRA that was listed on your denial letter but without that, you can get it free once a year from all 3 and you can sometimes get discounted ones based on certain requirments or just pay full price for them. Now if you have a monitoring service through either one of them, you can get their own reports usually in the raw as part of your service, I know Equifax does that but not quite sure about the other ones.