Yearly free credit report Tacoma

[update 12/4/2010] $14.95 for your TransUnion credit report and FICO score.

You cannot get the other two bureaus' FICO scores there. Obtaining your own credit report does not damage it (or affect the credit score in any way, at all) and lenders do not see a record of your inquiries.

A credit check by a lender may affect your credit score, but you can always check your own yearly free credit report Tacoma report without consequence.

Getting your FICO credit report score (at least the one that's available) at annualcreditreport.com is confusing at worst, and ambiguous at best. With its official mission (the law requires its existence), you might think it would be a .gov web site. Unfortunately, getting your yearly free credit report Tacoma FICO score at annualcreditreport.com is not a good idea (see above for where to get your FICO score). The credit bureaus, of course, don't like giving away free credit reports, so they're yearly free credit report Tacoma not about to make it easy for you to escape with selling you something, too. The best thing to do at annualcreditreport.com is to get your free credit reports, and leave.

It doesn't say which credit score-- just a credit yearly free credit report Tacoma score. And, according to media reports, in yearly free credit report Tacoma two out of three cases (TransUnion and Experian), the score is not the FICO. It's in the law: The part about what the Federal Trade Commission calls "educational" scores. Consumer Reports writes, "These scores are available when a consumer obtains a credit report via the annualcreditreport.com site for yearly free credit report Tacoma $5.95 (from Experian for a VantageScore [not a FICO]), $7.95 (from Transunion for a VantageScore), and $7.95 (from Equifax for a FICO Score)." According to CNN in the story, "Credit score confusion yearly free credit report Tacoma reigns" (Jun. free trial credit report 29, 2007), "The VantageScore is now the default score sold to consumers by Experian and TransUnion, either through their Web sites or via annualcreditreport.com." (That is not true.

The score at Experian.com is the PLUS.) A blogger (and his posters) describes the lunacy in "The Confusing World Of Credit Scores And Some yearly free credit report Tacoma Pointers For Getting FICO Scores For Cheap," where he writes, "I don’t know why they are making it so complicated for yearly free credit report Tacoma the common man." Research for this topic via first-hand experience is limited to once yearly free credit report Tacoma every 12 months, so contribute to the yearly free credit report Tacoma collective knowledge. In a November 28, 2005 yearly free credit report Tacoma account of a person's experience, BusinessWeek reports, "When you request a free credit report, each bureau will offer to calculate a credit score for $6.95. Experian and TransUnion use proprietary formulas; Equifax uses FICO scores." The Consumer Federation of America/Fair Isaac pamphlet "YOUR CREDIT SCORES" describes the yearly free credit report Tacoma annualcreditreport.com credit scores by their respective scales: FICO score via Equifax: 300850 Experian yearly free credit report Tacoma score: 330830 [that's the PLUS score, not a FICO] TransUnion score: 150934 [the TransUnion yearly free credit report Tacoma Score, not a FICO] The date on that document is 2005. your access to free credit reports In a November 30, 2004 story, a writer at the San Francisco Chronicle reported, "For $5, Experian offers its own Plus credit score." Summit yearly free credit report Tacoma Credit Union in Madison created an extremely instructive and detailed document on March 4, 2005. They made screenshots of the annualcreditreport.yearly free credit report Tacoma com ordering process. See the TransUnion disclaimer on page 19: "Note: Our Credit Score may not use the same credit scoring model used by a lender when making a lending decision." That's their way of saying that the score is not a FICO.

Another way that they say it is on page 21, where the yearly free credit report Tacoma scale of the score is delineated as yearly free credit report Tacoma 400-925. TransUnion, if you would like to clear things up for the record, write.

Your email will be published right here, on this page.

TransUnion's (fka Trans yearly free credit report Tacoma Union) cat-and mouse game goes all the yearly free credit report Tacoma way back to 1999, when all three CRAs' representative asked the oh-so compelling question, "Well, again, what scores?"!!?! Equifax cleaned TUC's and EXP's clocks by being first with a FICO score (BEACON). The question was disingenuous at the time, and yearly free credit report Tacoma a harbinger of the shell games TransUnion and Experian have played ever since. Congress: yearly free credit report Tacoma Who-- in their right mind-- would go to the trouble of getting their credit yearly free credit report Tacoma report, and then not get their FICO score? free credit report.org