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Bill
 
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Quote:
Originally Posted by eof View Post
Any FICO score that comes from somewhere other than MyFICO.com is not a FICO score

The promotion was for forum members at http://ficoforums.myfico.com/fico/ . There was a big banner on the side for free scores for the first 10,000 forum members that tried it or something. You put in all your junk on myfico.com and then it sent you to their new site for the results. It was all over FW/SD, where it was also initially met with great scrutiny. You can whois, its the same place.

Anyway, all this is kind of moot. I've got nothing to prove, short of capitalone being fucking stupid.
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Old 03-23-2009, 09:12 AM Bill is offline  
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DHermit
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Quote:
Originally Posted by eof View Post
Any FICO score that comes from somewhere other than MyFICO.com is not a FICO score. They are a FAKO score which means they are based on your credit report data but they aren't FICO. Only MyFICO has the scoring algorithms that are used to calculate it. They can be as much as 100 points off either way from your real score. This is the ONLY place to get your FICO score:

http://www.myfico.com/Default.aspx

I'd find out your real Equifax score, then go here to find some lenders that pull Equifax:

http://www.whogavemecredit.com/

What is your Average Age of Accounts, Oldest Account, and number of inquiries?

Should I get my report from both for $16? Or is it ok to just get it from one? If so, which one, Equifax or TransUnion?
Old 03-23-2009, 11:18 AM DHermit is offline  
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Quote:
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Anyway, all this is kind of moot. I've got nothing to prove

I apologize for making this comment. I realize you're trying to help and inform which I certainly respect and thank you for.
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Old 03-23-2009, 11:31 AM Bill is offline  
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Originally Posted by DHermit View Post
Should I get my report from both for $16? Or is it ok to just get it from one? If so, which one, Equifax or TransUnion?

If you're reasonably sure your credit reports are similar for each, then you can pull just one, but your scores will probably be slightly different even with identical credit reports. If your credit reports have different info on them then your scores could differ by 50 points or more - for example I have a paid collection that is on TransUnion only.

If you've figured out what you're going to apply for then check http://www.whogavemecredit.com or the credit pulls database at Creditboards.com to see what that lender pulls and then pull that score. Note that if they pull Experian you can only get your report from Annualcreditreport.com or a FAKO from experian.com

Also, look on the report you pulled earlier, what does it say your Average Age of Accounts and Oldest Account was? Lenders look at more than just your score when they pull your report and someone with a short credit history often raises red flags.
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Old 03-23-2009, 02:16 PM eof is offline  
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Quote:
Originally Posted by DHermit View Post
Should I get my report from both for $16? Or is it ok to just get it from one? If so, which one, Equifax or TransUnion?

check freeannualcreditreport.com first.
That is the only official site where you can obtain each of the big three reports for free once a year, by law.
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Old 03-23-2009, 06:26 PM Zangmonkey is offline  
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Forever Domon
 
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Hmm, to OP: Do you have what theyre calling a "thin credit file" ?

I have one of those, and its a massive PITA. Ive had the same single card since 1988, and nothing else is on my credit report. No car loans, no mortgages, etc

I cant get another card for the life of me, even though i've always paid this one on time and in full, for 21 freakin years.

(score of 805 btw, basically the same as yours)
Old 03-23-2009, 06:49 PM Forever Domon is offline  
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Bill
 
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^ Yeah, thats probably the case. Thats what I get for not dicking around carrying balances and taking loans all over the place.
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Old 03-23-2009, 07:18 PM Bill is offline  
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Forever Domon
 
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oh noes, fiscal responsibility! how awful
Old 03-23-2009, 07:45 PM Forever Domon is offline  
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geiger
 
Try another creditor like Chase or Amex. CapOne is like the overunder cesspool of credit. You either get one of 2 cards, subprime, or big limit.
Old 03-23-2009, 08:06 PM geiger is offline  
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DHermit
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Quote:
Originally Posted by Zangmonkey View Post
check freeannualcreditreport.com first.
That is the only official site where you can obtain each of the big three reports for free once a year, by law.

Yes but you don't get your score for free, and thats all I care about right now, I just got a credit report a few months back and it was accurate
Old 03-24-2009, 08:22 AM DHermit is offline  
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