I received my report <in the mail> today and it also had my score, 793, out of possible 950? I think this score is inflated, sent with report, "consumer" version, maybe by 50 to 75 points higher ????????? I look at bureaus all day and with my profile, based on similar, I would be low 700's. Also, on the other hand, the lowest is 150?????? I have seen low 400's, and a Banker friend said he had seen a 350 or so. I don't think 150 exists or 950, highest bureau I've seen is about 840, absolutely no debt out-standing, senior citizen, whom usually score in low 800's as a "group", tend not to owe any money, long time in bureau, many paid accounts. MISSION: DECIPHERING FICO
You would think that there would have to be some type of standardization regarding credit scoring models from the 3 CRAs. Nope. You could have the identical information on all three CRAs and the scores could possibly vary over 100 points from CRA to CRA. Is 800 from EXP the same as 800 from TU? No.
Thanks George. I received a copy of my report after disputing, and they told me that it wouldn't be on there-but they did send me my score for free.
