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Discussion in 'Credit Talk' started by Dani, Feb 24, 2001.
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RE: very good.
you would qualify for more credit cards.
That is a very good score. If you want to know more about credit scoring go to this link.....
Each credit reporting agency (CRA) uses it's own credit scoring model to predict risk and a score. Each is a model developed primarily on/by Fair, Issac's.
The three major CRA's break out as such:
Experian - FICO (new is NexGen)
Equifax - Beacon (Beacon/98)
Trans Union - Emperica
Each generates a risk 'score'. Lenders may use one, two or all three. Some will run several and take the lowest score to determine if you qualify and/or the interest rate. For mortgage loans, most every lender/broker will obtain all three scores (as part of an RMCR or Residential Mortgage Credit Report0, and use the middle score to determine if you qualify.
Each lender reports to one, two or all three bureaus (or none at all sometimes). It costs them money to 'subscribe' to use the services of a CRA. This is why one lender might report to only one, while others might use two or three. Most importantly, this is why you need to obtain credit reports from ALL THREE before you apply for credit or apply for a mortgage -- you never know which CRA will be pulled by a creditor, and you need to make sure all 3 are clean before you add an inquiry.
For those interested, I've put together a site (web app) that tracks creditors, which CRA they use, and which state the applicant lived in at the time of inquiry. You can add your own experiences/inquiries as well.
This way, you have a better idea of which CRA a creditor *might* use BEFORE you apply for credit.
It's located at http://www.millcbs.com. And it's free.
Millennium Credit Building Strategies
Thanks John for the information. Recently I pulled my husband's and my Equifax reports. I have not pulled our Transunion and Experian reports for a couple of years. Probably something I should do soon. I have checked out your site it's great.