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3 in 1 vs individual CR

Date: Sat, 03/25/2006 - 08:53
Submitted by on Sat, 03/25/2006 - 08:53
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Hello All! On 3-11 i pulled my free EXP & purchased my score (628). On 3-22 i decided to go with the 3 in one monitoring deal for 15.00 per mo (x2) way cheaper than the other route. Anyway, my EXP score went down 50 pts. & hubby's in 10 days. TU & EQ were about the same. A BOA acct is in good standing on EXP report but showing co in july 05 on EXP 3 in one. Got asprin? This is not the reason for the drop in score as EXP is not reporting BOA on my CR. I haven't found the reason yet. I'm just wondering why the reports are different for this acct they are both from EXP just 10 days apart. BTW BOA last reported 7/05 on both. So if I had pulled just the 3 in one I would dispute it. If I pulled just EXP Id leave it alone. Like I said Got Asprin? Has anyone else had this problem? Thanks for your time. Rach


Chances are you bought the experian score one time and the FICO score the next time. You will see huge differences in these scores. Each credit bureau offers their own score, or a FICO score (now they also offer or are getting ready to offer the VantageScore). They are NOT the same thing. Most lenders look at the FICO score to determine eligibility for credit.

~Mary


Submitted by Mary on Mon, 03/27/2006 - 09:25

Mary

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Hello All! Thanks Mary, I think i get it now & BTW congrats! Anyway, about this vantagescore- Fico thing. I'm getting my 3 in one from true credit(transunion) so those scores are my vantagescore because that is what all the bureaus have gone to starting March 14 2006. If I want my fico score I would need to purchase it from? fico? also, by knowing my vantagescore can i assume my fico is higher? Maybe I'm completely off the mark here. Can anyone please advise? Thanks for your time. Rach


Submitted by Rachas on Mon, 03/27/2006 - 12:40

Rachas

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Thanks! :) When I buy my FICO scores, I get them from myfico.com, that is the main place to get them. And they are usually having a deal (like right now, use the promotional code 5yranniv and you get 20% off). That's what I would suggest! Now that they are using vantagescore, with their weird scale, your fico will probably be lower than the VantageScore. Just my opinion though.

~Mary


Submitted by Mary on Mon, 03/27/2006 - 12:53

Mary

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