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  • km9
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How do I get my FICO???

I went to the annual credit report site and could get the equifax fico score = 816 for $8.  Then as I went to the other two, they both did not offer FICO scores.  Instead they have another type of score for $.  How do I find the FICO for Experian and Trans Union so that I will have a head's up when the mortgage lender checks the score?
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July 23 2009 - Huntsville
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If you go to annualcreditreport.com, they can give you the credit reports from all three reporting bureaus.  You are then asked if you would like to pay for your FICO score. It is worth paying for.
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July 23 2009
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  • km9
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yeah, which bureau is the fico score for?  I have equifax and need the other two.
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July 23 2009
I use truecredit.com (Transunion's company).
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July 23 2009
Hi there, you can also check www.freecreditreport.com (they are the ones with the funny commercials on t.v.) More than likely it will give you 1 score and you will have to pay for the other 2. If you have already seen one of your scores is 816, I personally would not worry about checking the other 2. 816 means you do not have any blemishes on your credit and rates that you will shop at mortgage companies, score will not be a problem!
With that being said, just as important as score, your debt to income really matters these days! So check your minimum payments and balances on your installment loans and credit cards!

Hope this helps!
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July 24 2009
km9:
Just a heads-up on some of the "free" credit report sites ... be aware that you must cancel your participation on some of these sites prior to a 30-day cut-off period or you may incur monthly charges afterwards.  If they have asked you to provide a credit card, be especially vigilent about cancellation.  That is where the "free" ends ...
As a lender, I am always happy to run a credit report at no cost for someone that is in the preliminary/planning stages of a home purchase or lending process.  That said, if I provide the free report, along with some advice and information ... I at least want to have a chance at earning your upcoming mortgage business. You may not decide, or are obviously not obligated, to  place your business with my services in exchange for the free report, but at least I had a chance to earn it.  That seems only fair.
It does not hurt to take this route.  Many lenders will provide free reports under the same circumstances.  The viewing of your credit by a professional is a wise step to take.  The insight and suggestions they offer upon viewing it could prove of great assistance to you prior to applying for a loan.
If you have more questions regarding your credit report or your upcoming lending needs, please do not hesitate to write again.
Best of luck to you ... 
  
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July 24 2009
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myfico.com

Using coupon cppsavings and get a score for less than 13 dollars apiece. Only Transunion and Equifax scores as Experian no longer is part of the FICO scoring system.


All other scores are FAKO scores and are usually worthless.
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July 25 2009
All three scores. Free Trial. .... Best wishes, Rudi
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July 26 2009
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You can only get your FICO score through myfico.com.  Any other site is only selling their 'custom' made score, which is NOT a FICO score your lender uses.

Experian no longer allows myFICO to give out Experian FICO scores, so the only way to get your Experian FICO is through a lender.

AGAIN,  getting your "score" from any other site IS NOT a FICO score, but a so-called "FAKO" score, which is their own custom score each bureau comes up with; not a FICO.
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July 26 2009
Do you pay your bills? If so, you dont need to pay for a credit report. Decide what lender will be doing your loan, give them authorization to pull it and get a copy. The only report/scores that matter is the report the lender will use. If the Equifax score you saw at 816 is your beacon score, then the other 2 scores will be excellent too.  
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July 26 2009
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I agree with Clay to an extent:  Don't rely on the lender to pull your REPORT.  You can get this for free from annualcreditreport.com.  This is a credit report and not a score.  If you notice anything incorrect, you can dispute it right there.

For a score, Clay is likely correct.  If your Experian credit score (remember, not FICO) is 816, you likely have a very high FICO score as well and should be able to qualify for nearly any loan you desire.  BUT remember, most creditors only report to one or two of the bureaus.  So, if you had many collections problems, and they only reported to Transunion and Equifax, your Experian score may be high, but the other scores could be in the gutter, and lenders use the score that is the MIDDLE (not average) of the 3.  Good luck!

Cheers!
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July 26 2009
Profile picture for Mister Info
You can get fico scores from many sources but rarely are they accurate and up to date. Just go straight the source MyFico and you can get them for $9.95. Plus they have a 30 day free trial for score watch which notifies you everything your score moves up or down and the reason for this. An extremely helpful tool. Click here to get the 30 day free trial
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August 02 2009
 
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