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Equifax - FreeCreditReport
Equifax - FreeCreditReport Experian, MyFico, Freecreditreport, freescore, transunion, creditscore Credit Scores - Fraud - Not What The Banks Use Inter
5th of Dec, 2010 by User554068
If you are looking to receive all your credit scores, stay away from all reporting agencies. They DO NOT actually give you your FICO scores, matter of fact as a consumer, you cannot actuall get your own FICO scores. Only a bank or lending institution can. And all these internet companies giving scores out use thier own formulas that have nothing to do with FICO or what the banks look at. Don't buy just a waste of money and time. Also most of these scores will score you MUCH higher than your actual FICO scores, in turn giving you a false sense of security and credit. Then you go out to get a loan, don't get it becasue your actual score is MUCH lower, then your score gets even lower due to the hit and decline. It's a crazy money maker for the credit card compaines and banks to jump your rates because your scores get lower.

Here is one statement from Experian and one of the Credit Score companies, also it;s the same at the reporting agencies like Transunion, Experian and Equifax...matter of fact Equifax will sell you scores that have NOTHING to do with FICO, and is MUCH higher than actual FICO Scores

Products and credit resources on the Product Websites utilize the PLUS Score. The PLUS Score, developed by Experian, and the different risk levels presented by it, are for educational use only. The PLUS Score is not currently sold to lenders, and is not an endorsement or guarantee of your credit worthiness as seen by lenders.

Please be aware that there are many scoring models used in the marketplace. Each scoring model may have its own set of factors and scale. The information and credit scoring model may be different than that used by a lender. The PLUS Score may not be identical in every respect to any other credit score produced by another company or used by your lender. The PLUS Score is not a so-called FICO score, and may differ for a variety of reasons.

Your PLUS Score is calculated using your actual data from your credit file on the day that you request your report. Keep in mind, however, that other factors, such as length of employment and annual salary, are often taken into consideration by lenders when making decisions about you. How each lender weighs their chosen factors may vary, but the exact formula used to calculate your score is proprietary.

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