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Question : What is better to use to get your credit scores, Truecredit.com or myfico.com?
I am trying to get my credit scores up and was wondering which company gives a better picture of what my credit scores are when a lender looks at them. Is Truecredit.com or myfico.com or another place more realist giving credit scores.
- asked by dagwood_96
All Answers: Answer #1I use free credit report.com and found it to very helpful. My credit score I thought was low butwhen I used this site it was at 715 and I thoughtit was no higher than 650. Sounds good to me tryit.
- answered by gokugohanchichi
Answer #2
None of them.The information that they will giveyou will not reflect your true score. Order areport from each bureau and that way you will nothave any inquirers on your credit and you will beable to dispute any thing on your credit that isin error.Every time someone pulls credit it canmake your score go down.Bureaus give you aconsumer score, the score that the lender getswill be diff rent, auto loans will be one score,mortgage loans will be a diff rent score than theauto score.
- answered by financewitch
Answer #3
I have used MyFICO and I like it. I especiallylike that they send me an e-mail and text messageany time my score changes and explain to me why itchanged. Comparing the 2 MyFICO is cheaper ($89for a year but you have to pay all at oncecompared to 14.95 per month)and you only get thescore form one credit reporting agency andTruecredit.com says you get all three. Although Ithink having one will give you a good idea. If youwant to keep track for a long period of time I'dgo with MyFICO if you just want to monitor for afew months before you make a big purchaseTruecredit sounds like a good choice. It justdepends on how long you want the service and ifhaving all three reports is that important to you.
- answered by Delaina77
Answer #4
Getting your credit score is Tricky.First off youwill get different scores depending on who you goto. Myfico.com (Fair Issac Company) is good forgetting all three scores and this is where I wouldrefer consumers looking to increase scores formortgage loan purposes. Sounds like this is whereyou should go.Truecredit.com (Where I work for) isa score that is FICO based, meaning they usemyfico.com methods of scoring and will give you atleast 4 factors that have lead up to your score soyou know what to improve on.If you would prefer toorder your credit score from the three differentreporting agencies, you at least know that you aregetting the most upated score information. Isuggest ordering your free reports fromhttps://www.annualcreditreport.com/cra/index.jsp. Then all you have to pay for is the score (AllFICO based). If you contact the agencies inwriting and they mail you a score you will recievea different one (that is not FICO based) Thescoring ranges are different.****Do not order yourscores from just any ol website. You don't knowhow updated their credit reports might be (Theymay be scoring you on a report that is a couple ofmonths old) and they might be using their ownscoring system.******Requesting your score willNOT show as an inquiry on your creditreport.**********
- answered by N K
Answer #5
N.K. is correct.
- answered by spifiman1
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