Credit report rant

G

Garry and Victoria

Member
Joined
Oct 28, 2010
Messages
15
Fluid Motion Model
C-24 C
Non-Fluid Motion Model
47' Wellington, 17' Daysailor, kayak an
Vessel Name
Once Again
The free credit report you get from the top three credit agencies doe not include the credit score - you have to pay eztra for that or join up for a free trial period. BUT that credit score is NOT the one that lenders use!

Most lenders use the "classic" FICO credit score on a range from 300 to 850. The credit agencies are using the new Vantage credit score which ranges up to 990. The scores look great but they are misleading.

You can get your FICO score at http://www.myFICO.com. This site looks legitimate to me but I am no expert. The score I got exactly matched the score I was told the lender got for me.

Your mileage may vary, batteries not included.
 
A little fine print near the bottom of the page:

*IMPORTANT INFORMATION: When you order your free FICO Score here, you will begin your 10-day trial membership in Score Watch®. If you don't cancel your membership within the 10-day trial period, you will be billed $12.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
 
I've used that website several times for my FICO score. I cancel it every time, they don't seem to notice the next time I do it, at least for the 3 or 4 times I've used it.

Charlie
 
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