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Free Credit Score
Posted on 2/19/13 at 4:05 pm
Posted on 2/19/13 at 4:05 pm
What is the best way to find out your actual credit score for free? Every website I see is estimates, and they are not always accurate.
4
Posted on 2/19/13 at 4:08 pm to tenderfoot tigah
quote:
What is the best way to find out your actual credit score for free?
I would suggest searching before posting a new thread that has been gone over at least a dozen times
Posted on 2/19/13 at 4:08 pm to tenderfoot tigah
Creditkarma
Posted on 2/19/13 at 6:00 pm to tenderfoot tigah
You can't get your "actual" credit score for free. The free ones aren't what lenders use. You can buy your Equifax FICO score from MyFico.com. It's the exact score almost all lenders use. You can buy your TransUnion FICO score from there but it's an older scoring model and isn't 100% accurate. You can't buy your Experian FICO anywhere anymore. Have to have it pulled by a lender.
Posted on 2/19/13 at 6:12 pm to JonTheTigerFan
quote:
You can't get your "actual" credit score for free. The free ones aren't what lenders use.
Correct, although the free ones are basically correlated. The range is different, you just have to know that for example 750 on one score is about the same as a 700 somewhere else.
Unlike Lord of the Rings, there is no one "true score". Each bureau has its own algorithm and some lenders have their own custom scores as well.
Posted on 2/19/13 at 7:22 pm to foshizzle
Sometimes they're close, sometimes they aren't. FICO uses a different scoring model than CrediKarma, FreeCreditScore, Quizzle, CreditSesame, etc. For example, I consolidated my student loans and my CreditKarma score dropped while my TransUnion (which is the bureau CreditKarma uses) FICO actually went up. I had my scores pulled a month ago for a mortgage and my TransUnion FICO score is about 70 points higher than the score CreditKarma gives me.
Posted on 2/20/13 at 2:38 pm to tenderfoot tigah
use myfico.com or equixfax.com, i wouldn't recommend anyone else.
i just had a client pull credit thru myfico and than we pulled ours thru our company, our was 12 points lower.
hope that helps
i just had a client pull credit thru myfico and than we pulled ours thru our company, our was 12 points lower.
hope that helps
Posted on 2/20/13 at 3:09 pm to lsu tigerdog
My lender used the same Equifax model as MyFico. The scores were identical. They use a different TransUnion model though so those were 5 points apart.
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