I have been using creditkeeper....

[Anonymous]

I use creditkeeper to look over my credit report and pull scores etc.. Are the scores it shows me for the credit bureas my actual scores?  It gives me all 3 reports and scores for each every month.   I am now reading (after finding these forums/myfico) that these may not be my actual scores?

[bigtim]

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@Anonymous wrote:

I use creditkeeper to look over my credit report and pull scores etc.. Are the scores it shows me for the credit bureas my actual scores?  It gives me all 3 reports and scores for each every month.   I am now reading (after finding these forums/myfico) that these may not be my actual scores?

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"Actual scores", meaning the scores that LENDERS use, in part, to determine how creditworthy you are. The majority of lenders use a version of FICO scores. You are correct - the scores you pulled from creditkeeper will probably never be used by a lender to evaluate your credit - therefore they are not accurate - your 'actual scores' , probably FICO, will be different. You can get your Equifax FICO from here, and your TU FICO (a 1998 version) from here, but the TU98 version is not used by many lenders anymore either. Experian does not offer your FICO anymore - only a lender can pull it.

[Anonymous]

If I were to get a score directly from transunion, would that be a FICO score or transunions own score?  So the score credit keeper shows me for transunion is that my actual transunion score or one they made up?.  Creditkeeper gives me 4 scores, one for each credit bureau and than there own creditxpert score thingy, which I know is made up by them.  Was curious if the 3 actual scores are the scores givin to them by the credit bureaus.

[creditwherecreditisdue]

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@Anonymous wrote:

If I were to get a score directly from transunion, would that be a FICO score or transunions own score?  So the score credit keeper shows me for transunion is that my actual transunion score or one they made up?.  Creditkeeper gives me 4 scores, one for each credit bureau and than there own creditxpert score thingy, which I know is made up by them.  Was curious if the 3 actual scores are the scores givin to them by the credit bureaus.

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Your scores from creditkeeper are are FAKO's.

If you read all the fine print at the end of one of their reports (and it is included on the sample report available on the site) it tells you that the scores offered are not FICO scores. Their scores are not "made up" - they are CreditXpert Credit Scores - not FICO scores! If you obtain a score from the transunion.com site it will also be a FAKO - just a different FAKO. If you want a TU FICO score you can obtain one from either myFICO.com or transunioncs.com. Both of those sites offer TU FICO's based on the TU98 scoring model and not the commonly used TU04 model.