Credit Rating Agencies/Services

Does MyFICO give you a rating from all of the agencies or is it some sort of aggregation?

My FICO

Yes, you can order from all 3 agencies, its the one I use and it gives your REAL scores.

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What do apartments, energy companies, etc. do when they want to check your credit?

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Apartments look at an overall score. They first discount any items like medical collections. Your score plays a part in the risk of bad debt you pose to them. They want to know if you have had bad debt to other landlords, which usually means an automatic decline. They also want to know if you have a foreclosure. They look to see if you have paid your utility bills, as housing & utility bills are your primary bills. No pay could mean a decline for you. Also a decline would be alot of bad debt or collections on your record. If you have a little bit of bad credit, most apartments will require a higher deposit.

With utility companies, they are looking to see if you have skipped out on other utilities. They aren't looking to see how much your car note is or stuff like that. They just want to know you take care of your bills.