NEWBIE with a FICO question............

[I_SUFFER_FROM_FICO_ENVY]

Im new here and Im trying to get a handle on a few things:

Please correct me if Im wrong.

1)  There is no way I can get an Experian FICO score.  Is that correct?  Except trhough PSECU?

2)  I am able to get an Equifax FICO score, here, or elsewhere.  Is that correct?

3)  I am unable to get a Transunion FICO score.  Is that correct?

4)  All the PLUS scores can vary from FICO scores as much as 100 points, if not more.  Is that correct?

Thanks.

[crunching_numbers]

---

@I_SUFFER_FROM_FICO_ENVY wrote:

Im new here and Im trying to get a handle on a few things:

Please correct me if Im wrong.

1)  There is no way I can get an Experian FICO score.  Is that correct?  Except trhough PSECU? Correct, only through PSECU or a lender.

2)  I am able to get an Equifax FICO score, here, or elsewhere.  Is that correct? Correct. You can get an EQ FICO score here at myFICO.

3)  I am unable to get a Transunion FICO score.  Is that correct? You can get a TU FICO score, the TU98 version, right here on myFICO. you can get the TU08 version once a month if you have a Walmart credit card.

4)  All the PLUS scores can vary from FICO scores as much as 100 points, if not more.  Is that correct?  Plus scores, Transrisk scores, Vantage scores, and the like are what we call FAKO scores. Yes, they can vary by up to 100 or more from your actual FICO scores. You can get free Vantage and Transrisk scores from creditKarma.com, but they are mostly useless. Some rare lenders might use Vantage as a part of their screening, but FICO scores (which come in different versions) are the standard.

Thanks.

---

[I_SUFFER_FROM_FICO_ENVY]

Thanks.

[MarineVietVet]

You can also buy an Equifax FICO at the EQ website: www.equifax.com/web-myfico-products/

[llecs]

And get a monthly EQ FICO from Digital Credit Union or Unitus Community Credit Union, or pay a small fee via M&T Bank. There are dozens of other CUs out there that will provide a free FICO if you ask for it.

[Anonymous]

M&T Bank? I know most of the abbreviations I've seen, but I can't put that one together.

[MarineVietVet]

---

@Anonymous wrote:

M&T Bank? I know most of the abbreviations I've seen, but I can't put that one together.

---

Here is a link to their site: M&T Bank.

[Anonymous]

---

@crunching_numbers wrote:

---

@I_SUFFER_FROM_FICO_ENVY wrote:

Im new here and Im trying to get a handle on a few things:

Please correct me if Im wrong.

1)  There is no way I can get an Experian FICO score.  Is that correct?  Except trhough PSECU? Correct, only through PSECU or a lender.

2)  I am able to get an Equifax FICO score, here, or elsewhere.  Is that correct? Correct. You can get an EQ FICO score here at myFICO.

3)  I am unable to get a Transunion FICO score.  Is that correct? You can get a TU FICO score, the TU98 version, right here on myFICO. you can get the TU08 version once a month if you have a Walmart credit card.

4)  All the PLUS scores can vary from FICO scores as much as 100 points, if not more.  Is that correct?  Plus scores, Transrisk scores, Vantage scores, and the like are what we call FAKO scores. Yes, they can vary by up to 100 or more from your actual FICO scores. You can get free Vantage and Transrisk scores from creditKarma.com, but they are mostly useless. Some rare lenders might use Vantage as a part of their screening, but FICO scores (which come in different versions) are the standard.

Thanks.

---

---

With regards to FAKO scores, in 'the other forum' there is an assertion that credit sasame's EX score correlates better with EX FICO than any other ex FAKOs, but I'm sure that's up for debate.