FICO scores

Discussion in 'Credit Talk' started by judyputy, Jan 26, 2001.

  1. judyputy

    judyputy Well-Known Member

    First time posting here and have a question. Can you find out your FICO score without pretending to apply for a mortgage loan? How are you all getting your FICO scores from lenders? I did the report on and I have a score of 90 there. But I understand from your posts that it's not that reliable. I would like to know the real FICO score. How have you all gotten yours. Thanks, glad someone told me about this board.

  2. S.D.

    S.D. Guest

    I would like to know the same thing. I asked this question before, but didn't really get the answer I was looking for.
  3. Momof3

    Momof3 Well-Known Member

    only through a lender!!

    You can ONLY get your fico scores from a mortgage lender or a car dealership when you apply for a loan, when they pull your reports you can ask them to tell you your scores, most will but they do not have to tell you. These scores are not avaiable to the consumer yet/
  4. S.D.

    S.D. Guest

    RE: only through a lender!!

    Oh, sorry Mom... Now I understand why everyone was making a big thing about the Credit Bureaus releasing scores...

    Makes sense now. Thanks!!
  5. John S

    John S Guest

    RE: only through a lender!!

    In California, if you PAY for the report, they HAVE to give it to you (score and all).

    Yes, the only way to get your score (right now) is if a lender PAYS for the score generation, and then gives it to you.

    Keep your eye on - they are supposed to be making your legit FICO score (Beacon model) available to the consumer starting in 2001Q1 or 2001Q2.
  6. Momof3

    Momof3 Well-Known Member

    RE: only through a lender!!

    Yes Equifax is supposed to release by March of this year, TU announces the end of last year we are still waiting on this one and who knows about Experian.

  7. judyputy

    judyputy Well-Known Member

    Do I seem crazy?

    Someone from West Coast Services just e-mailed me and offered to get my FICO score from Experian for $50. Just supply all my info. That's outrageous first, and second, I'm not stupid enough to give personal info to a perfect stranger. Just in case anyone else got the same message.
  8. Sailor

    Sailor Guest

    Not at all

    I wouldn't give a stranger personal data either.

    Somebody here got his FICO score from his credit union when he applied for a loan.

    In California, where I live FICO scores are to be released after July 1 when mortgage application is made. I can't get my score yet.
  9. Lisa

    Lisa Guest

    RE: Not at all

    I work for a bank and I applied for a loan to get my scores.

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