Free Credit Report . Com

Anonymous · ‎04-02-2009

Hey, what is your opinion of freecreditrepot.com

My score there is about 650, but there is in the 400s. Why might that be?

PayingTheBills · ‎04-02-2009

@Anonymous wrote:
Hey, what is your opinion of freecreditrepot.com

My score there is about 650, but there is in the 400s. Why might that be?

did you mean that there it is 650, and HERE it is in the 400's?

regardless, fcr.com gives you FAKO (non-FICO) scores, and is essentially worthless in the respect.

Starting Score: 540 EQ 517 TU on 11/17/08
Current Score: 668 EQ 726 TU
Goal Score: 760 EQ 760 TU

My Credit Repair Journal

llecs · ‎04-02-2009

Freecreditreport.com ..... nothing free about it. The reports are incomplete and as pointed out the scores are useless due to the fact they are not FICO score. And under a subscription service, you only get EX and you have to pay to get TU and EQ (unless you subscribe to CCT).

Anonymous · ‎04-02-2009

My score was 650 on free credit report.com, and in the mid 400s here.

Mostly, I don't have much previously established credit. I started with a secured card and student loan about 6 months ago, and was late on the secured card due to some pretty severe and unexpected hardships.

I have the freecreditreport.com and credit/identity service through Wells Fargo, both of them show the only mark on my credit as being that late payment on the secure card (30 days), and a large number of inquires.

What are the odds the FICO score is showing something else, more negative, to result in such a low score?

(It's also worth noting I just paid off my secure card, it's probably still being reported as maxed out)

llecs · ‎04-02-2009

Ignore that other score. It is two different formulas.

I can't remember which score FCR uses, it is either a PLUS or VantageScore, but comparing a FICO to a FAKO would drive you nuts. Your FICO score can go up and FAKO down, and vice-versa, for the same event. For example, at the time my last CA fell off EX. My FICO jumped 58 points. Yay. My FAKO through either TC or PLUS dropped 8 points. Go figure. Another example is recent. Yesterday my FAKO through TC climbed 27 points. So, I pulled TU FICO and that was unchanged. There was no reason why TU changed, but that's a FAKO for you. My FICOs have been as low as 20 points less than my FAKOs and as high as 120 points for the same CRA when pulled on the same day. Finally, my TransRisk score (a CC-enhanced FAKO) is current at 470. My TU FICO in comparison is 670 when pulled on the same day.

I'd go after your baddies and in time your scores will climb. I started fixing my credit in summer of 2007 and FICOs were in the low to mid 500s. Within 3 months all of my scores were in the mid 600s.