Have any of you been told by Trans Union that no one, not even potential lenders can get a FICO until the second week in Dec? I've been trying to get mine since the end of October and finally called them. They said it's broken and won't be back up for at least another two weeks. If that is true, then when lenders pull a trimerge and get a median FICO, how can they base an interest rate on it? I'm in the process of buying a new home and it's getting down to loan doc signing time. If they can factor Trans Union into the score I'll no doubt get a better interest rate 'cause my credit is a whole lot better on TU. Neener
Neener, I haven't heard anything like that. I just got my FICO from myfico.com for all 3 reports yesterday. If you've been trying to get it through TU, maybe try myfico.com Jen, he was asking about a FICO score. The score that PG gives, although useful for a general idea of which way your scores are going, is not a real FICO score. It is a score PG derived using a few of the criteria that a real FICO would use, for the purpose of giving consumers a score. No creditor anywhere uses it. My PG scores, on average, have been 25 to 45 pts too low.
