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Posted: Wed Oct 17, 2007 4:42 am Subject: does credit report include score?

Hi all

Im a bit confused

I want to be sure abt one thing n its will my credit report include my credit score?

Bethany ( help me )

Posted: Wed Oct 17, 2007 4:49 am Subject:

Credit reports do not include scores.For the most accurate score you can purchase one at myfico.com.

Posted: Wed Oct 17, 2007 4:52 am Subject:

Hey Cajun, i get a credit score thru True Credit with reports but it was different score than what was on my fico score!! My fico score was actually higher. Any idea why that is??
I assumed it was because fico uses all 3 bureaus while each bureau only uses what they have? Is this the case??
Thanks,
Ang

Posted: Wed Oct 17, 2007 4:55 am Subject:

Ang true credit scores are what we call fake and have no meaning to them. Fico sets a score from each bureau and gives you a real Fico score. Just a note the Equifax fico can be bought from Equifax and is a real score.

Posted: Wed Oct 17, 2007 4:56 am Subject:

Fake scores?? Say it ain't so! Where do they come up with these numbers?? I was wondering why my fico score was diff and actually a little higher!!
Is anything real these days??
Sad

Ang

Posted: Wed Oct 17, 2007 5:03 am Subject:

The scores in True Credit have one purpose.As they start to trend up,you can bet your Fico is going up too.Personally I use True Credit and Amex Credit Secure and ignore all scores except Fico.

Posted: Wed Oct 17, 2007 5:03 am Subject:

Thanks cajun for helping me out

Bethany

Posted: Wed Oct 17, 2007 5:07 am Subject:

Ok so i have another question here: I noticed on True Credit i have an entry on my report as an authorized user on my hubby's credit card and it has NOT been updated since last year!! Can i dispute this entry and try to have it removed from my report??? I think this might be what's bringing my scores down a bit!
Thanks for all ur help,
Ang
P.S. When i finally get all my scores back up i'll have only u to thank! Very Happy

Posted: Wed Oct 17, 2007 5:13 am Subject:

Also, it shows a balance of little over $10,000 and i know this is NOT fact! I see this cc bill every month and it's less than $4,000 balance! WTH?
This needs to be changed! PRONTO!
Ang

Posted: Wed Oct 17, 2007 5:29 am Subject:

Ang the best way to fix this is to send a letter certified return receipt mail directly to the creditor.In the letter tell them how their account is reporting and that you are requesting that they start a investigation per Facta amendment of the Fcra to correct their reporting errors. To remove the authorized user notation have hubby call company and tell them to remove it and then destroy the card that is in your name.

Posted: Wed Oct 17, 2007 6:03 am Subject:

There is NO card in my name Cajun! I have a card but it's in his name and his name only! Even on the bill it's in his name! This has me totally confused! The only reason he put me on it is to call them and be able to speak about this acct if ever need be... never have yet!
I don't mind it being on my report but i want it to show accurately!!
Thanks for ur advice,
Ang

Posted: Wed Oct 17, 2007 6:11 am Subject:

They probably added you as a au so you can talk to them.If you remove he will be minding his own bills. My wife is au on most of my accounts for this reason.

Posted: Wed Oct 17, 2007 6:17 am Subject:

That's exactly why i was au but what i dont' get is why it's on my report and not accurate either!
I will work on the letter to oc today and get taht out to them... any help u can give me on my letter writing ablities will be greatly appreicated!
Thanks Cajun,
Ang

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