pulling credit reports

[tray]

hi everyone, i am looking for advice of which is it best to obtain my credit scores of transunion and experian from their own website or obtain these scores from fico.  Also if anyone was to pull my credit report from any of these sites would they use the fico score or the vantage score from experian or transunion site score.  Thanks everyone i just do not want to waste my money on obtaining scores from these sites if no creditor really reviews these scores.

[Anonymous]

The majority of lenders use FICO scores. These can only be obtained from this site.

As for your credit report, you will get the most detailed by pulling directly from the CRA. You can do this once yearly for free at www.annualcreditreport.com

[Anonymous]

MyFICO is the only place to purchase an Experian FICO score-

EQ only sells FICO scores

TU Does sell FICO scores- https://www.transunioncs.com 

but no one would find this link unless they we looking for it-

You can buy all 3 here at myFICO-

EVERYTHING else is a FAKO score-

[llecs]

And to emphasize, do not waste any money on scores purchased directly through TU or EX. As you continue to read in these forums, you'll see why.

I recommend pulling reports both through MyFICO and directly through each CRA. There's a number of reasons. First, if an account has been re-aged, it is not uncommon for the CRA to ask for you to send an original copy of the CR. Next, org. reports show information that you cannot find on MyFICO like full contact name and information from creditors (MyFICO, for example, will often mask CA names), you can find soft inquiry pull info, you can see hard inquiries beyond 1 yr., you can often see a full account history where MyFICO limits it to 24 month periods, and you can see your contact info including info provided by creditors when you app'd for credit. And so on. Also on the org. reports, you can see on EX and TU an estimated drop-off date for a baddie, and is important in accurately determining DOFD.

I also suggest you pull hard copies of each CRA report and each MyFICO report prior to making a major purchase and prior to starting any credit repair.