Actual Fico Score?

[Anonymous]

Hi!

How do I get my Fico Score from the 3 credit bureaus? I got the credit reports but I don't know what the best way is to get my real (total) FICO score?

Thank you!

[Anonymous]

Go to www.myfico.com, and click "Products" near the upper left hand side of the screen.  On the Products page, look for Fico Credit Complete.  Fico Credit Complete will provide you with all 3 FICO scores.  Right now, you can buy that product and get 25% off of the price if you enter the promotional code HOLIDAY25 at the time of purchase.  This 25% off discount offer ends on November 30th. 

[Tuscani]

Welcome.. Please read the Scoring 101 thread:

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=2654

[Anonymous]

Thanks so much!

I have another question.... I got my 3 credit reports yesterday from "annual credit report" for free. If I get Fico Credit Complete...isn't that another credit report inquiry and won't that hurt my credit score?

[Anonymous]

No. Pulling credit reports on yourself, has no effect on your score.

And welcome to the forum.

[Anonymous]

Also, DO NOT use "Free credit report" or "True Credit".com.    Useless.

Only "My Fico" will give 3 real Fico's and Equifax will only give you their score(FICO) because they do not relate to FAKO scores that TransUnion and Experian use. 

Just my 2 cents

[Anonymous]

Thanks Sylviatob!

I've already read that... but I still had doubts - since a bank person has told me once I shouldn't check my credit too often...

Ok, I think I'm good now... I will get my credit scores!

Is it true that most institutions look at the middle score (of the 3 ) ?

Message Edited by sladurko on 11-27-2007 10:58 AM

[Anonymous]

Thank you for your info ZMAN! I already know that from the posts I've read in this forum!

This forum is pretty informative, thanks for letting me be here!

Message Edited by sladurko on 11-27-2007 10:57 AM

[Anonymous]

Sladurko-  What scores an institution uses varies by institution.  I work for a bank.  When financing a first mortgage, we use a tri-merge.  We pull all three scores, and use the middle score.  When financing anything else (home equity, auto loan, unsecured loan) we use Transunion only.  Hope that helps.