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Question: #1: 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 waswondering which company gives a better picture ofwhat my credit scores are when a lender looks atthem. Is Truecredit.com or myfico.com or anotherplace more realist giving credit scores.
- asked by dagwood_96
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: KING
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Question: #2: Are the 3 agency credit scores you buy at MyFico, real or Faco?
I am signed up for Equifax Score Watch withmyfico.com. I have purchased the other2(TransUnion and Experian) from this site. Arethey an accurate picture of my credit score orjust estimations?Thanks for answering. Thats goodnews! We are hoping to buy ahouse soon andanother credit report website said our scores werein the low 600s. According to MyFico, they are inthe middle 700s(give or take)
- asked by Molly B
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: CrackBerry Addict
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Question: #3: I went to myFICO and now I want to cancel the subscription. HELP!?
I don't know what link to go to or how to do it.Thanks in advance!
- asked by NyNy
I'm pretty sure there's a link in the frequentlyasked questions that says how do I cancel myaccount. Just call the same number they give youto sign up and tell them you want to cancel.If youwant to cancel your Score WatchTM 30 day freetrial:You can use the link below to cancel yourScore Watch free trial online under twoconditions: AFTER your subscription has beenactive for at least 23 days and BEFORE yoursubscription automatically renews after 30 days. If you are outside these time requirements, youwill receive an error message and will need tocall or emailus.https://www.myfico.com/scorewatch/cancelsw.aspxAs a reminder that your free trial is about toexpire, you will receive an email 7 days prior tothe end of your 30-day trial period that willcontain this same link enabling you to immediatelycancel your Score Watch subscription online. Toprevent this email from going into your spamfolder, please add the email addressmail@myfico.com to your approved contact list (donot send email to this address as it will not beanswered).You may alternatively cancel your ScoreWatch subscription at any time by phone or email(see below for contact information).Cancellationrequests by email or phone will be effectivewithin 2 business days following after we receiveyour request.Phone:1-800-319-44336:00 AM to 6:00PM - Monday through Friday (Pacific Time)7:00 AMto 4:00 PM - Saturday (Pacific Time)Email:ContactUsWe will respond to you within 1-2 businessdaysThis information is the first option under"Support" - answered by: shamieya
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Question: #4: Is the Suze Orman myFICO kit worth the $50?
It gives you credit reports and FICO scores from all three agencies, as well as customized tips forimproving one's FICO score.She is partnered withFICO (Fair Isaac Corporation) to provide this kit.It gives you credit reports and FICO scores fromall three agencies, as well as customized tips forimproving one's FICO score.I realize that i canget my credit reports for free, but am interestedin getting my FICO scores so i have thisinformation before i start applying for amortgage. From the products on the myFICO website,this one looks like the best deal...
- asked by Eric
Just a bit of background...When you order yourcredit reports/scores all the give you is thebasic information. What you really want is the"reason codes" that explain why negative items areon your credit report.If you go to
http://www.myfico.com/12 you can get your reportthat includes the 12 reason codes....veryimportant in helping you figure out your scores. I'm not really impressed with Orman'sorganization...they are more interested in makinga buck and not helping people. I tried watchinghere show and couldn't stop yawning. - answered by: Studly
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Question: #5: MyFico.com question : How do I find my fico scroe without paying over 40 bucks?
I watch Suze orman on television and she says Ican check my Fico score on myfio.com ... I've seenmy credit report, I don't need that ... I don'tneed a subscription to myfico.com ... all I wantis a number ... I want to know if I am a 700 a 750... a whatever.... Then olny thing I can click onthat costs under 40 bucks is the "individual ficoscores" and they want 14.95 times 3 (for all threecredit agencies).... Is there a cheap way I canfind my fico score without paying a fortune? Thanks in advance for any answers...i really docome back to read what everyone has to say. :-)
- asked by TumbleTim
see the ad on yahoo home page about seeing yourscore for free? use that, it's 30 days trial,after you receive your credit score, just cancelit. they won't charge you anything if you cancelwithin 30 days - answered by: jean
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Question: #6: Is Equifax Score Watch or MyFico available in Canada?
- asked by homehunter
Equifax IS canadian aswell as Transunion andNorthern Credit Bureaus. Theses are the threemajor groups in Canada.FICO is also in Canada, atEquifax ask for your beacon score - answered by: becky q
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Question: #7: Where can I see my real FICO score besides MyFico.com ?
I'm willing to pay, I just want the real score.
- asked by Healy2006
myfico.com IS where you get the real FICO score. - answered by: mister_galager
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Question: #8: MyFICO, Truecredit, which one is correct?
Hello and thanks for your opinions,I have signed up with TrueCredit.com and I really like that Ican see my credit reports & scores even daily if Iwant to. However, I have read that the creditscores there are not accurate. Does it mean that Ihave to sign up with MyFICO to get the realscores? And does that mean that I will have to paythem $44.99 every time when I want to check myscores?What is your best advice / practice if Iwant to monitor both my reports & scores?Thanks!
- asked by smile07
Looks like a lot of people need to be educated onwhat credit scores are about.There are actuallyseveral different credit score "schemes". TruCredit is used by Transunion. Technically it'saccurate....it just uses a different formula. Fico is considered the standard, but again it usesa different formula and will not be the same asTruCredit, VantageScore or any of the others. From my research and recommendations from otherswho's opinion I greatly respect, if you want yourscore you should go to
http://www.myfico.com/12Thedifference with this site (still owned by FairIsaac) is that they give you the "reason codes"that explain exactly why an item is being reportednegatively on your reports, and what you should doto improve your score. This score is$45.Personally I don't care to see or"micromanage" my credit scores. I'm moreconcerned about what is in my credit reports. Once you educate yourself on how credit scores arecalculated, you can then manage your credithistory in a way that will improve your scores. Below is an article from CNN that goes into thedifferent credit score formulas....I'd cut andpaste but some folks are getting upset with me fordoing that. ;) - answered by: Studly
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Question: #9: whats the difference between true credit.com credit scores and myfico.com?
I went online to transunion (truecredit) and myequifax score was 650...then I went to myfico andit said 621. Which one is correct? I did both inthe same day and were no changes in my report...AmI waisting my money?now keep in mind now that isaid i checked only my equifax score from 2different companies and the difference was about20 points each...Im confused
- asked by mememe
I can tell you it will never make sense, and noone can ever explain why they differ. I can tellyou I veiw credit reports pulled for my clientsfor mortgage lending (FNMA REPORT) purposes. Ideliver the Credit score disclosure to myborrowers and many have had a MY FICO or otherreport less then 30 days old. I have seen 100ptdifferences in just a matter of days, but theexact information, balances, and number ofaccounts are reporting. Its not the 1 score thatmatters, you may have 1 equifax score, and theother place used a Transunion score, or a Experianscore. What really matters is- for a great carloan you need 700- for an excellent home loan youneed 720, and for new revolving types of credit itis mainly decided on you repayment of theestablished accounts you have.To improve your fico-1) pay your bills on time2) keep 60% of youspending limit available ( 1000 limit keep balancearound 400)3) Keep older accounts open even with 0balance4) limit the new accounts you apply for5)pay attention to the factors they give for yourcredit, some can never be fixed.I have an 80 yearold couple whose credit factor #1 is time accountshave been established. The factors are in orderof why you score isnt perfect. The couple neverhad many credit cards, but they have 25 years ofmortgage loans. It means they opened accountsafter not having many, so opening new credit yearsago was the last factor that lowered the score. It doesnt mean its lowering it today, just that itwas the last bad factor. If you arent on the vergeof 700 and buying a car, or 720 and buying a homeyou wont need to really worry about your fico. Find the Factors of your reported score and workfrom those to improve. Its the factors reportedthat are bringing your score down and will remainumtil a new factor is reported. Get a PROVIDIANcredit cars ASAP, they show you what your fico waseach month you have an account with them. Itsself explanatory to see the flucuations ( opened anew credit card score goes down- payoff a creditcard score goes up) - answered by: Jacque w
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Question: #10: Can anyone tell me where I can purchase a product with my credit scores?
I would like something that lets me view andmonitor all three credit scores monthly even ifthey charge me a monthly fee. Myfico does nothave it with all three bureaus and I know abouttruecredit but I want to know if there issomething else out there. Thanks.
- asked by babydoll
Please ignore the ignorant answer by MARTY- italways kills me how people some people answerthinking that they are so smart and they have NOconcept of your motivation for the question-Whatan idiot!I can only hope that he does this boorishbehavior at parties...Theives target people likethis since he does not monitor his credit, theycould probably run up quite a bit of debt on himand he would not find out about it forYEARS....oKAY (RANT OVER)for the rest of us thatworry about this kinda thing. The first poster hada great idea with freecreditreport.comBut beforeyou DO that go, to the ftc website and get someinformation from there. Apparently you can get 3reports per year so if you time it correctly youcan request one every 4 months from a differentagency...this could save you a few bucks eachyear....You can also put a fraud alert on youaccount and password protect it to keep your riskslowWhatever you decide, I am happy to read thatyou are taking in interest in protecting yourcredit and if that 35 bucks gives you peace ofmind, DO IT - answered by: lisa s
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