Credit free score Detroit

"The PLUS Score® is not currently sold to lenders, and is not an endorsement or guarantee of your credit worthiness as seen by lenders." - Experian There are cheap imitations to confuse you. One, in particular, seems to be everywhere: The PLUS score by Experian. It has a scale (330-830) strangely similar to the FICO (300-850). A common scenario sees a consumer obtaining this "consumer-focused" score, seeing the number, breathing a sigh or relief that credit free score Detroit theirs is above average, then finding out that their score credit free score Detroit that the lender uses is lower, and that the consumer's credit report score is nowhere near average. First, be sure that you get the credit score that you think you're getting. If you spend your money on anything, make it the authentic FICO score. It is the type that "is most often used by lenders" (alt).

Each of the three national credit free score Detroit credit bureaus ("consumer reporting agency that compiles and maintains files on consumers on a nationwide basis") produce a FICO score from their file about you. credit report rights You can get the third (or all three) 2 out of 3 2/16/09 from the FICO score company, Fair credit free score Detroit Isaac, itself. Fair Isaac's myFICO.com web site is the only place where you can get access to all three 2 out of 3 FICO scores and credit reports. Just as important, it also provides access to score simulators for two out of three of the scores (Equifax and TransUnion) to illustrate what actions that will cause your score to go up or down.

There is a credit score message board to commiserate with other 800 (or 600 or 700) credit score credit free score Detroit wannabes. free annual credit reports $15.95 for your Equifax credit report and BEACON[dead link] (the Equifax FICO score). You cannot get your Experian or TransUnion FICO scores there. [update 12/4/2010] $14.95 for your TransUnion credit report and FICO score. You cannot get the other two bureaus' FICO scores there. Obtaining your own credit report does not damage it (or affect the credit score in any way, at all) and lenders do not see a record credit free score Detroit of your inquiries. A credit check by a lender may affect your credit score, but you can always check your own report without consequence. Getting your FICO credit report score (at least the one that's available) at annualcreditreport.com is confusing at worst, and ambiguous at best. With its official mission (the law credit free score Detroit requires its existence), you might think it would be a .gov web site. Unfortunately, credit free score Detroit getting your FICO score at annualcreditreport.com is not a good idea (see above for where to get your FICO score). free annual credit report The credit bureaus, of course, don't like giving credit free score Detroit away free credit reports, so they're not about to make it easy for credit free score Detroit you to escape with selling you something, too. The best thing to do at annualcreditreport.com is to get your free credit reports, and leave.