credit report question

Discussion in 'Credit Talk' started by tareco, Apr 28, 2001.

  1. tareco

    tareco Well-Known Member

    I apologize if this question has been asked and answered before--what is the difference between the consumer version of the credit report and the ones that the lenders get??
  2. Erica

    Erica Well-Known Member

    I got a copy of my credit report about a year ago when I applied for a car loan. As far as I can tell, there is no difference. The lender gets to see your score, and you don't when you order a consumer credit report. This is just my experience.

    Any other experiences?
  3. Reshod

    Reshod Well-Known Member


    did you apply for the Amex-student charge card yet?
  4. Pat

    Pat Well-Known Member

    Soft inquiries didn't show on my CR that was pulled for my car loan.
  5. Erica

    Erica Well-Known Member

    Not yet. I am going to wait until 1 round of Junum is complete and then see where I stand. I checked my FICO yesterday and it went down to 561 from 583. So, I'm gonna wait. I'll definately let you know when I do, and what the outcome of it is!
  6. SET

    SET Member

    I have a copy of the Trans Union report the property management co. obtained when I rented my apartment.

    Comparing to the consumer version of the TU report, other than the fact that soft inquiries don't show up, it's basically the same. It is a lot less user-friendly. A lot of the information is in code, where the consumer report shows a lot more English. Oh, and there is a credit summary section that calculates the ratios. That wasn't on the consumer version.
  7. Toothman

    Toothman Well-Known Member

    Question for Erica

    Hi, Erica!! What do you think caused your downward shift in FICO scores?

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