Annual credit report free credit report New York

There are only three companies selling FICO scores: Two credit bureaus and the score company.

The third credit bureau is playing a big game with consumers. Avoid being taken by buying, and getting confused, by a credit score nobody in lending uses. "The PLUS Score® is not currently sold to lenders, and is not an endorsement or guarantee of your credit worthiness as seen by lenders." - Experian There annual credit report free credit report New York are cheap imitations to confuse you. One, in particular, seems to be everywhere: The PLUS score by Experian. It has a scale (330-830) strangely similar to the FICO (300-850). A common scenario sees a consumer obtaining this "consumer-focused" score, seeing the number, breathing a sigh or relief that theirs is above average, then finding out that their score that the lender uses is lower, and that the consumer's credit report score is nowhere near average. free credit report all three First, be sure that you get the credit score that you think you're getting. If you spend your money on anything, make it the authentic FICO score. It is the type that "is most often used by lenders" (alt). Each of the three national credit bureaus ("consumer reporting agency that compiles and maintains files on consumers on a nationwide basis") produce a FICO score from their file about you. You can get the third (or all three) 2 out of 3 2/16/09 from the FICO score company, Fair Isaac, itself. Fair Isaac's myFICO.com web site is the only place where you can get access to all three 2 out of 3 FICO scores and credit reports. on line credit report Just as important, it also provides access to score simulators for two out of three of the scores (Equifax and TransUnion) to illustrate what actions that will cause your annual credit report free credit report New York score to go up or down. There is a credit score message board to commiserate with other 800 (or 600 or annual credit report free credit report New York 700) credit score wannabes.

$15.95 for your Equifax credit report and annual credit report free credit report New York BEACON[dead link] (the Equifax FICO score). You cannot get your Experian or TransUnion FICO scores there.

[update 12/4/2010] $14.95 for your TransUnion credit report annual credit report free credit report New York and FICO score. You cannot get the other two bureaus' FICO scores there. how to obtain free credit report

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 annual credit report free credit report New York a lender may affect your credit score, but you can always check your own report without consequence.