Is their one report or score that is more accurate or closer to the actual score people lenders see on your credit report or do they all vary? I am just going to pull a 1 time report and not sign up for the monitoring but wanted to know which one is the best to pull if I am only pulling one?
ero2, They vary. I personally noted that TU is the least used and Equifax is the most with Experian running very close behind it. But they are all used that is why you will at least eventually want all 3 individual scores and 3 individual reports. I noticed some creditors pull only from one CRA. Most seem to pull from at least two CRAs. I found and downloaded a list through the thread just below the INTROS by Psychdoc called, "FIND OUT: What CRA is pulled". If you haven't already you should check it out and download the inquiry list. You can then determine for yourself which is most used and or which will be most important for you. Gretchen
