How do I access the information on my FICO 2,4,5 reports?

[Kelly89D]

I want to know how to access all the information on my FICO 2,4,5 reports. I can't seem to find that information anywhere, even on this site. I only found references to vague information like bad payment history or delinquency. I want to see where this information is coming from, especially since all my other FICO and Vanguard reports don't reflect anything like that. If you have accurate ways of obtaining this information, please let me know.

[NoHardLimits]

https://www.myfico.com/products/fico-score-credit-reports 

[FicoMike0]

Welcome to the forum.

All fico and vs scores are based on your three major credit reports, transunion, experian and equifax. You can get the full reports from 

https://www.annualcreditreport.com/index.action

This is free, every week. These are complete, unedited reports.

Getting the scores is harder. I once got fico 2, 4, and 5 free from credit.com with a 7 day free trial. Generally, you have to pay for these scores.

[Lykasigh]

FICO 2, 4, and 5 scores utilize FICO scoring models utilized by specific credit bureaus, frequently for purposes of mortgage lending. If you would like details about your FICO reports, you may need to either get those reports from the bureaus or through a service like myFICO. The information in those reports may vary slightly from other credit reports if different data was used by the respective scoring models. I would also reach out to myFICO support for more information regarding your specific reports. Hope it helps!

[JoeRockhead]

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@Lykasigh wrote:

FICO 2, 4, and 5 scores utilize FICO scoring models utilized by specific credit bureaus, frequently for purposes of mortgage lending. If you would like details about your FICO reports, you may need to either get those reports from the bureaus or through a service like myFICO. The information in those reports may vary slightly from other credit reports if different data was used by the respective scoring models. I would also reach out to myFICO support for more information regarding your specific reports. Hope it helps!

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For clarity:  Fico doesn't generate credit reports.  They provide scoring models used by the credit bureaus which subsequently generates a score based on the information that's contained in the reports. 

As for the OP's question.  The information in your reports is the same, regardless of what scoring model is applied.  For reports that contain the most up to date information, those can be acquired for free (once every 7 days) through Annual Credit Report,  as @FicoMike0 suggested.  Although they won't provide any scores, they'll be as accurate as if a lender pulled them that day.  For your specific Fico scores, you can purchase those from myFico as @NoHardLimits pointed out. 

[Lykasigh]

Since FICO 2, 4, and 5 "report" versions are scoring models on the underlying data from your credit reports, you aren't able to see the report since they don't produce their own reports. However, you can get the raw data pulled from the three bureaus (Experian, TransUnion, and Equifax) and see what the numbers say compared to your scores.

The easiest way to do this is just to get your full credit reports from annualcreditreport.com — the free, official source from which you can pull the full reports once a week. Then match your reports from the three bureaus into a table and compare them to your FICO 2/4/5 scores from Experian/TransUnion/Equifax, respectively. 

If you see numerical discrepancies when you compare the reports to your FICO scores, start looking for negative items—late payments, charge-offs, and/or old accounts—that show up differently with each bureau again tied back to the three reports.  Those are what the mortgage versions will weigh heavier.

So in summary:

• Get your full reports from annual credit report.
• Compare each bureau to the corresponding score version.
• Identify the discrepancies, especially with any negative items, and no biases—positive and/or negative—that could explain the difference. 

It may take some manual work, but that's the only way to truly identify what the cause of the differences is, especially with those older mortgage models.