Credit scores and ratings

I don't think anyplace gives you your scores unless you go through lender or car dealer etc. Trans Union is SUPPOSED to release some scoring formula by the end of the year along with your reports when you order them, so you may want to wait for that. Boy will they be getting a FLOOD of credit report orders LOL

 

I shoud add

That worthknowing .com gives you a free copy of your TU and gives you a scoring model, but many people have different views on this model it is NOT FICO and ranges from 1-100. Also true credit gives your Experian report with a scoring formula which ranges from 1-100 too but these are not ACTUAL scores but may give you a glimpse at your situation. HTH

MOM

 

RE: I shoud add

Gee, I got a '0'. Yes, a ZERO from their credit scoring model. My offers were only for secured cards with onerous terms, yet my mailbox is full each week with offers for pre-approved platinum cards.

Other than being able to see your actual TU data (which is my case was incorrect in several case, I have an acutal recent TU), this service is virtually worthless.

 

Here's a link

For a discussion at Bayhouse regarding TU, some may find it interesting

http://www.bayhouse.com/discus/messages/4/981.html?976299918#POST6010

 

RE: I shoud add

Yes I know the feeling I got a 5!!! Last time I checked it jumped to a whopping 15!!

 

RE: I shoud add

I'm not surprised.

FICO scores are based on statistical studies and risk factors proven in research. Worthknowing's score is based on pure guesswork and gut feelings, at best.


Saar