Free Credit Score | TigerDroppings.com
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tenderfoot tigah
LSU Fan
Red Stick
Member since Sep 2004
2042 posts

Free Credit Score

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.


iAmBatman
USA Fan
The Batcave
Member since Mar 2011
4920 posts

re: Free Credit Score
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


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AUtigerNOLA
Auburn Fan
New Orleans, LA
Member since Apr 2011
11416 posts

re: Free Credit Score
Creditkarma



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JonTheTigerFan
LSU Fan
Central, LA
Member since Nov 2003
4870 posts

re: Free Credit Score
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.


foshizzle
LSU Fan
Washington DC metro
Member since Mar 2008
31062 posts

re: Free Credit Score
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.


JonTheTigerFan
LSU Fan
Central, LA
Member since Nov 2003
4870 posts

re: Free Credit Score
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.


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lsu tigerdog
LSU Fan
Baton Rouge
Member since Nov 2007
136 posts

re: Free Credit Score
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


JonTheTigerFan
LSU Fan
Central, LA
Member since Nov 2003
4870 posts

re: Free Credit Score
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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