This may be answered...

[joeydtx]

Sorry everyone this has been kind of answered as I see truecredit.com doesn't give an accurate score.  I wanted to know though, if I wanted a accurate 3 in 1 score if I have the best.

I wish I didn't, but I signed up for Truecredit:  

TU: 551  Experian: 555  Equifax 579

And use the one thru Bank of America called Privacy Assist

TU: 618  Experian: 630  Equifax 572

Since truecredit is not a good one, how reliable is the one thru BoA?  Apparently I like the privacy ones but would like a solid opinion.

JD

[Anonymous]

All scores are "accurate" in their own right.  But only FICO is FICO.  FICO is a proprietary formula.  FICO is the leading score used by lenders, so it is the most relevent for credit purposes.  All other scores use a different formula and therefore cannot be "compared" as a score.  They will never match, and if they do, it is only coincidence.

While all companies and scores use the same credit info (your report) they calculate the score they give differently.  All companies tend to have similar attributes meaning that established credit, timely payments, mix, age, etc. all help any score.  But trying to compare any third-party score to FICO is comparing apples to oranges.  If you want FICO, then you have to get a FICO score through this site (or ScoreWatch for EQ, which is not real-time).

[joeydtx]

Thanks txjohn,

I have signed up for the two FICO products with myfico... TU 583  Equi 582  so I have about 40 points to get before I enter a chance at getting a mortgage and hopefully ways to greener pastures as far a credit cards and what not.  Still dumb Exp removed theirs, I find it funny how companies are allowed to hide information that is about us and no one else.

JD