You can purchase your credit reports from the big-3 (EQ, Exp-CE and TU) online. As an added bonus the cras will include your FICO score. CE and EQ now offer a yearly subscription to view your scores and reports as often as you like. All three will allow you to purchase one report at a time. You can view your reports and scores for free under certain conditions. Check the cra websites for details. There is much debate as how accurate these FICO scores. Hope this helps. Best regards, Mirage
You can order you credit score from http://www.myfico.com This will give you your FICO score from your Equifax report and a copy of you equifax report. This is the most accurate score of the ones available.
So what are the other scores being reported? If FICO is the accepted standard, are the others some variation?
Good question! Nobody seems to know for sure but my guess is that the scores that are being sold to consumers by Experian and Trans union are not the same scores that lenders get from Experian and Trans Union. The traditional names for the three credit bureau scores are: Equifax----- = Beacon score Trans Union-= Empirica score Experian-----= Experian/Fair Isaac Risk Model score The names for the credit scores you can purchase are: Equifax-------= Beacon/FICO score Trans Union--= Trans Union personal credit score Experian------= Experian credit score SCORE NAME-------------------------SCALE Beacon/FICO score------------------300 - 850 Trans Union personal credit score--150 - 934 Experian credit score----------------340 - 820
Bye the way, all these scores are FICO scores. FICO is short for Fair Isaac and Company. This is the company that makes the risk models/computer programs that calculate your FICO score. Fair Isaac makes a number (12 or more) of versions of their program for each of the big three credit bureaus.
