FICO score. Can I order w/o report?

Discussion in 'Credit Talk' started by Thee One, Sep 10, 2003.

  1. Thee One

    Thee One Well-Known Member

    Anywhere? Also any alternative to experian's creditwatch service? I need almost constant access to that report, but probably won't need it for a whole year. I'd rather pay by the month like Equifax.
     
  2. crofttk

    crofttk Well-Known Member

    You can't buy a FICO score without the report.

    Privacy Guard is a 3 CRA report you can pull daily, with a 3 month trial for $1 but no guarantee it'll match your CRAs and the one EQ score they give you is FAKO.
     
  3. Thee One

    Thee One Well-Known Member

    So I went with PG. I don't like their format, but it'll work for the time being. I just wish they had more info on the creditors on the report.
     
  4. crofttk

    crofttk Well-Known Member

    Aaaah, you'll get used to the format. I usually have some of the numbers on the summary page memorized so that I can glance at that and immediately know something has changed.

    As far as more details and a good basis for disputing, I recommend always having one report direct from the CRA to work from.
     
  5. Thee One

    Thee One Well-Known Member

    Yeah, I have a bunch printed, I'll use those for reference.
     
  6. nightowlky

    nightowlky Well-Known Member

    I agree.

    Is there an easy way to find out who a collection agency represents?
     
  7. GEORGE

    GEORGE Well-Known Member

    NO...

    What good is a score with out the report anyway???
     
  8. Thee One

    Thee One Well-Known Member

    Re: Re: FICO score. Can I order w/o report?

    *Bump* for the answer to this.
     
  9. Thee One

    Thee One Well-Known Member

    Re: Re: FICO score. Can I order w/o report?

    I have a creditwatch(had until this morning), the creditmonitor(or whatever EQ's is called) and using WK I can get TU's. I just had some neg's deleted, I wanted to see how they affected my score. As you can see, I didn't need the report. My situation probably doesn't happen that often though.
     

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