***PLEASE HELP***

[Anonymous]

Well the only TL that I have are the 3 that were open in August, September and October. Other than that the other 3 are installment loans. I really don't understand what is going in with my report. Every month I purchase my experian report an score. That's my way of keeping up with what is being reported. Even when I purchase my Eq report every month they also provide me with 3 scores.

[CreditDunce]

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@Anonymous wrote:
Well the only TL that I have are the 3 that were open in August, September and October. Other than that the other 3 are installment loans. I really don't understand what is going in with my report. Every month I purchase my experian report an score. That's my way of keeping up with what is being reported. Even when I purchase my Eq report every month they also provide me with 3 scores.

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Installment loans count as a trade line. 

Are you buying your scores directly from EX or TU?  If so they only provide a FAKO score.  It is worthless.  EQ does provide a FICO score directly from their site, but they also sell FAKO scores. It should clearly say the score you are purchasing is a FICO score.  Or at least that is my understanding.  Personally, I don't purchase scores.  I just use the scores provided by credit cards/CU's.  I don't have EX covered yet, but I am hoping American Express will eventually provide that for me.

MyFico sells FICO-08 scores for all CRA's.   If you are buying a FAKO score, then all bets are off on what it takes to get a score.

[Anonymous]

I purchase a useless vantage score from experian. I also purchase the complete advantage plan from EQ too. But I don't think either one are Ficos. I'm hoping to get Amex Charge card next month. Fingers crossed but probably not likely with that collection account from 2011 an the thin file, but it's my plan.

[Anonymous]

I believe TU is my only true Fico. Being that it's provided by my Discover card every month.

[Anonymous]

Last month Eq gave me my scores as,
Eq 645
Ex 650
TU 663

[MarineVietVet]

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@Anonymous wrote:
Last month Eq gave me my scores as,
Eq 645
Ex 650
TU 663

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Those are part of their "Equifax Complete" offering and none of these are FICO scores.

[Anonymous]

Lol as I figured. I can only assume that my only Fico I have is the score that my Discover card gives me every month. That's if that's even a fico. I don't know.

[IamB2]

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@Anonymous wrote:
Lol as I figured. I can only assume that my only Fico I have is the score that my Discover card gives me every month. That's if that's even a fico. I don't know.

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You can be assured that the score provided by Discover is a True TU FICO 08 version.

[Anonymous]

Let me ask this. My 6th month on credit will be January. Will my scores generate on the 1st or do I have to wait for one of my accounts to report the 6th month? I really want to purchase my EQ an Ex from here again.

[CreditDunce]

You currently have a TU FICO if Discover is giving you a score.  I think you should have an EX and EQ score, too.  In which case, you may be able to purchase a score now from MyFico.  I understand the desire to see your score.  However, what is on your report is much more important than your score.

If you are going to regularly be purchasing FICO scores, you might want to consider other ways to get FICO scores.  Amex is currently doing a beta test with EX-08 FICO scores.   And Citi has announced they will start providing EQ-08 scores next year.  Here is an old thread with more ideas:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Where-to-obtain-FREE-monthly-FICO-scores/...