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Question : Are the 3 agency credit scores you buy at MyFico, real or Faco?
I am signed up for Equifax Score Watch with myfico.com. I have purchased the other 2(TransUnion and Experian) from this site. Are they an accurate picture of my credit score or just estimations?Thanks for answering. Thats good news! We are hoping to buy ahouse soon and another credit report website said our scores were in the low 600s. According to MyFico, they are in the middle 700s(give or take)
- asked by Molly B
All Answers: Answer #1They are accurate. They are the three used to determine your credit rating. Not only are theyaccurate, they are pretty much what determinesyour rating.
- answered by Joe S
Answer #2
These are the real scores, not FAKO scores. Itypically recommend people only purchase theirscores from
http://www.myfico.com as that is thesite endorsed by Fair Isaac, which developed theFICO scores.
- answered by Jeremy Kitching
Answer #3
These are the real score but who knows why eachone score the way it does there is no rhyme orreason. One takes one thing off the other leavesit on. They are not unified at all. But the middle score is the determing factor on all homeloans.
- answered by Msteedawn1
Answer #4
Well, it depends on who you ask. I got all threescores through Transunions trucrecit service. They had me averaging 650. Bah humbug!I got mygenuine FICO scores, and I am sitting at anaverage of 714.Ok, I then proceed to get approvedfor a mortgage. They use their own company forscoring that is not available to the public. Whatdid they score me at? 724.So, I don't waste moneyon any other scoring than FICO. Since Equifax isFICO scoring, then scorewatch is accurate. FICOis much more accurate than transunion, and FICO'sscore model is used by most lenders.I got approvedfor the mortgage too. If the only thing I lookedat was transunions scoring for all three reports,I would be sitting here crying and thinking it wasgoing to take me a year to get it up.I will neverwaste my money on Fako Transunion scores again. Ido use their truecredit for watching all threereports for any new activity. Now that part is agreat service.I also have Scorewatch. I guessknowing it's FICO that's grading the score onEquifax makes me trust it more.
- answered by latebreakfast
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