Credit reporting agencies Illinois

"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 theirs is above average, then finding out that their score 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 credit reporting agencies Illinois it the authentic FICO score. It is the type that "is most often used by lenders" (alt). Each of the three national credit bureaus ("consumer reporting agency that compiles and maintains files on consumers on a nationwide credit reporting agencies Illinois basis") produce a FICO score from their file about you. free crdit report

You can get the third (or all three) 2 out of 3 2/16/09 from the FICO score company, Fair Isaac, itself. Fair credit reporting agencies Illinois 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 credit reporting agencies Illinois for two out of three of the scores (Equifax and TransUnion) to illustrate what actions that credit reporting agencies Illinois will cause your score to go up or down. There is a credit score message board to commiserate with other 800 (or credit reporting agencies Illinois 600 or 700) credit score wannabes. how do i get my free credit report

$15.95 for your Equifax credit reporting agencies Illinois credit report and BEACON[dead link] (the Equifax FICO score). You cannot get your Experian or TransUnion FICO scores there. [update 12/4/2010] credit reporting agencies Illinois $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 of your inquiries. A credit check by a lender may affect your credit credit reporting agencies Illinois 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.credit reporting agencies Illinois com is confusing at worst, and ambiguous at best. With its official mission (the law requires its existence), you might think it would be a .gov web site. Unfortunately, getting your FICO credit reporting agencies Illinois score at annualcreditreport.com is not a good idea (see above for where to get your FICO score). check free credit score

The credit bureaus, of course, don't like giving away free credit reports, so they're not about to make it easy for you to credit reporting agencies Illinois escape with selling you something, too. The best thing to do at annualcreditreport.com is to get your free credit reports, and leave.

It doesn't say which credit score-- just a credit score. And, according to media reports, in two out of three cases (TransUnion and Experian), credit reporting agencies Illinois the score is not the FICO. It's in the law: The part about what the Federal Trade Commission calls "educational" scores.