Transunion and Experian Fico Score and getting my score up

[sweets2323]

i just signed up for FICO watch on Myfico for 7.50 a month

How does everyone get there fico number for the other two credit bureaus?

Are you all paying for it every month?

Also since i a am trying to pay my accounts and collections should i get a credit watch from Equifax?

Well there are only like 3-4 that i need to pay off.

my score is super low 513 PLease dont laugh!!!

I havebeen paying on my bills on time for the last 6 months but have 3-4 that was not paid.. so i am paying those now. I know it will take about 2 years to get to 600.

But this is a start..

Any advise... Dont forget ot answer questions

[JoeBJay20]

You can purchase Equifax FICO scores at myfico.com or equifax.com.  You can purchase Transunion FICO scores at myfico.com or transunioncs.com (not transunion.com). Experian FICO scores are not sold to the general public.

Don't worry about your scores, we all started somewhere. But trust me when I say that you're at the right place to learn what steps to take to rebuild your credit.  There's a wealth of information and expertise in the forums. Be sure to check out threads such as  Credit Scoring 101 , What Steps Do I Take?, and Common Abbreviations for more helpful information on credit scoring, credit rebuilding, and navagating the forums. Also, don't be afraid to ask for help with specific issues.

[jbee]

Hi JoeBJay20,

What's the difference between transunion and transunioncs?

[MarineVietVet]

---

@jbee wrote:

Hi JoeBJay20,

What's the difference between transunion and transunioncs?

---

The Transunion site sells a TransRisk score (FAKO) and Transunioncs sells a TU98 FICO score.

From a BK years ago to:

9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score

[sweets2323]

since i only have a score watch for equifax on Myfico.com How often should i pay for the TU

[MarineVietVet]

---

@sweets2323 wrote:

since i only have a score watch for equifax on Myfico.com How often should i pay for the TU

---

IMO about twice a year. But i'm a cheapskate.

From a BK years ago to:

9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score

[Anonymous]

---

@sweets2323 wrote:

since i only have a score watch for equifax on Myfico.com How often should i pay for the TU

---

Depends on who your potential creditors/lenders pull.  Hardly anyone pulls TU for me, so I'm not too motivated to pay for that score.  (I do check my report, though, and am on top of it reporting correctly).  Lots of folks pull my EQ, so I like to keep track of EQ FICO scores.  Most of my creditors have pulled EXP.