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how can you figure what your credit score is?

Posted: Sun Oct 14, 2007 6:49 pm Subject:

did you order a credit report yet? I thought they all come with the score already (but I could be wrong).

Posted: Sun Oct 14, 2007 7:00 pm Subject:

U are able to see each credit bureaus scores for u but the most accurate is at www.myfico.com U will have to pay a small fee to get your score.
Ang

Posted: Sun Oct 14, 2007 7:02 pm Subject:

I haven't looked at mine in ages...too afraid to!

Posted: Sun Oct 14, 2007 7:09 pm Subject:

Well i was also afraid to look at mine but was pleasantly surprised when i did. Still needs some work but overall wasn't as bad as i thought it would be!
Very Happy

Ang

Posted: Mon Oct 15, 2007 1:58 am Subject:

you actually don't have to pay anything to get free credit reports from all reporting agencies everyone in America can receive free credit reports once a year from all reporting agencies free no cost! Ang? what small fee?

Posted: Mon Oct 15, 2007 4:39 am Subject:

Yes for "credit reports" u CAN get one free a year but i think they were asking about their fico score! There IS a small fee to get this!
Hope that helps,
Ang

Posted: Mon Oct 15, 2007 4:45 am Subject:

Hanky, are you talking about freecreditreport.com? If so, it's a good site to use but i think they only give you a score from one of the three credit companies. Now, you can get your score compiled from all three if you pay a fee and depending on the 'package' you want from freecreditreport. If you use freecreditreport, be sure to monitor your usage as far as time goes. You have 30 free days to view your report and then you get charged $12.95 a month i believe. I forgot and didn't cancel on time so I got stuck with a $12.95 charge, but that may be a blessing since my credit isn't that great. I can at least see why these CAs are calling me!

Posted: Mon Oct 15, 2007 4:47 am Subject:

Ang, thanks so much for your site! I'm going to check that out
one more thing on freecreditreport, you can cancel anytime, there isn't a certain amount of time that lapses that you have to wait to cancel. ifyou go past the 30 day free trial period, you can call and cancel though their sales people will try their hardest to get the price lower for you to keep their identity theft package and other assets of the program. I think everyone is entitled to one free report a year now, you're right Hanky.

Posted: Mon Oct 15, 2007 5:44 am Subject:

For your free credit report that you are allowed annually, got to www.annualcreditreport.com. To receive a real score go to myfico.com and order it for a fee.For 24 hour monitoring of all three bureaus with daily reports,you will need to purchase a third party puller.

Posted: Mon Oct 15, 2007 5:47 am Subject:

If you wish to monitor your Fico score on a daily basis,you can order Scorewatch from equifax.com. It is a real fico and you set alerts on your score and it will adjust as your real score moves up or down.

Posted: Wed Oct 17, 2007 1:19 am Subject:

wow! I asked and got reports from 3 agencies for free after fraud was reported one reporter required a bit more work I was not able to immediately download -- maybe that is difference?If fraud is involved? I simply went to each sight and requested report-- From what I am hearing about huge mistakes in fico scores I am beginning to wonder why we are at mercy of this mysterious number? I haven't been charged anything for my credit reports I recently asked for --why has my case been different please reply

Posted: Wed Oct 17, 2007 4:03 am Subject:

Hanky we are talking about fico scores here NOT credit reports! It's 2 diff things! The credit bureaus do give u a score they've composed but they are not as accurate as ur fico score!!!
Hope this helps u understand better,
Ang

Posted: Fri Oct 19, 2007 7:29 pm Subject:

Ang it has always been my understanding that your Fico score is derived from the numbers that the three credit reporting agencies have on you and that you simply average the three reports to get a good idea of what your Fico is--if the number from each credit report is what determines your Fico score how are Fico scores and credit reports two different things? Guess I am totally behind the times on this one--thanks for response Very Happy

Posted: Sat Oct 20, 2007 3:59 am Subject:

Fico scores are figured out by Fair Issaic Company based on a formula applied to each file from the individual bureaus. You can go to Equifax and order a Fico score from them directly or myfico.com for all three. There are discount codes available to help offset the cost.I get them from another consumer board.

Posted: Sat Oct 20, 2007 7:06 am Subject:

There are a million different scores (exxagerating), and the FICO just happens to be the most popular. If you are applying for a car loan, for example, the finance co might be pulling the "Auto Risk Model". In that case, the score they see will actually be different than the score you see.

Scores are empirical formulas, which weight certain factors in your credit report. Similar to a bell curve, the score shows where you stand statistically compared to the rest of the population.

The free credit reports you are allowed each year, or if you have been denied credit or are a victim of fraud, are not required to disclose your score to you. To get your score, you will almost always have to pay for it. Like Cajun said, subscribing to some service will usually get you a combined report and score from one or all of the bureaus.

The FICO is not an average of all the bureaus. FICO, or any other score, is relative to each bureau separately. Since each bureau has different information on you, you will most likely have 3 different FICO scores.

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