Why isn't a fico score the same no matter who pulls the report?

[marty56]

I did a Yahoo serach for "TU Empirica classic" the first entry was for a credit repair site.  I started reading about the service and among the interesting things they said was this:

While it is true that consumers can read a brochure and subsequently try to fix errors or inaccuracies on their credit reports, the "do it yourself" method can be extremely challenging, frustrating, and expensive in terms of time and materials required

I was wondering what materials the were refering to.  Stamps?  Phone service?  My time (Ask any DW about how much DH's time is worth?).  They also mentioned several times they work only with inaccurate information.  That rules out my 120 day late BofA out.

Way too funny.

Message Edited by marty56 on 06-09-2008 11:34 AM

[Junejer]

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@marty56 wrote:

I did a Yahoo serach for "TU Empirica classic" the first entry was for a credit repair site. I started reading about the service and among the interesting things they said was this:

While it is true that consumers can read a brochure and subsequently try to fix errors or inaccuracies on their credit reports, the "do it yourself" method can be extremely challenging, frustrating, and expensive in terms of time and materials required

I was wondering what materials the were refering to. Stamps? Phone service? My time (Ask any DW about how much DH's time is worth?). They also mentioned several times they work only with inaccurate information. That rules out my 120 day late BofA out.

Way too funny.

Message Edited by marty56 on 06-09-2008 11:34 AM

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They only "work with inaccurate" information, b/c they are going to do a blanket dispute of anything that's bad. Big joke.