3 free credit report Erie

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 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 3 free credit report Erie 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 score at annualcreditreport.com is not a good idea (see above for where to get your FICO 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 escape 3 free credit report Erie 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), the score is not the FICO.

It's in the law: The part about what the Federal Trade Commission calls "educational" scores. free credit report sites

Consumer Reports writes, "These scores are available when a consumer obtains a credit report via the annualcreditreport.com site for $5.95 (from Experian for a VantageScore [not a FICO]), $7.95 (from Transunion for a VantageScore), and $7.95 (from Equifax for a FICO Score)." According to CNN in the story, "Credit score confusion reigns" (3 free credit report Erie Jun. 29, 2007), "The VantageScore is now the default score sold to consumers by Experian and TransUnion, either through their Web sites or via annualcreditreport.com." (That is not true.

The score at Experian.com is the PLUS.) A blogger (and his posters) describes the lunacy in "The Confusing World Of Credit Scores And Some Pointers For Getting FICO Scores For Cheap," where he writes, "I don’t know why they are making it so complicated for the common man." Research for this topic via first-hand experience is limited to once every 12 months, so contribute to the collective knowledge. request a credit report In a November 28, 2005 account of a person's experience, BusinessWeek reports, "When you request a free credit report, each bureau will offer to 3 free credit report Erie calculate a credit score for $6.95. Experian and TransUnion use proprietary 3 free credit report Erie formulas; Equifax uses FICO scores." The Consumer Federation of America/Fair Isaac pamphlet "YOUR CREDIT SCORES" describes the annualcreditreport.com 3 free credit report Erie credit scores by their respective scales: FICO score via Equifax: 300850 Experian score: 330830 [that's the PLUS score, not a FICO] TransUnion score: 150934 [the TransUnion Score, not a FICO] The date on that document is 3 free credit report Erie 2005.

In a November 30, 2004 story, a writer at the San Francisco Chronicle reported, "For $5, Experian offers its own Plus credit score." Summit Credit Union in Madison created an extremely instructive and detailed document on March 4, 2005.

They made screenshots of the annualcreditreport.com ordering process.

See the TransUnion disclaimer on page 19: "Note: Our Credit Score may not use the same credit scoring model 3 free credit report Erie used by a lender when making a 3 free credit report Erie lending decision." That's their way of saying that the score is not a FICO. free credit report now

Another way that they say it is on page 21, where the scale of the score is delineated as 400-925. TransUnion, if you would like to clear things up for the record, write. Your 3 free credit report Erie email will be published right here, on this page. TransUnion's (fka Trans Union) cat-and mouse game goes all the way back to 1999, when all three CRAs' representative asked the oh-so compelling question, "Well, again, what scores?"!!?!