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- Posts: 26
- Joined: Sun Jan 13, 2013 3:00 pm
- Location: Portland, OR
FutureBillionaire wrote:Myfico or Equifax have the true Fico scores.
This. This is because Equifax BEACON scores are the only closest true baseline to a real FICO score. Transunion and Experian are a quasi-modification of this using their own risk analysis algorithm.
I personally don't find score to be the end all. I have had 750+ scores and been denied simple credit due to a lack of history. I have had sub 690 scores and been handed credit left and right due to a solid history.
You can use sites like CreditSesame.com, CreditKarma.com, Credit.com, SmartCredit.com, and others to get a good idea of the health of your credit profile and history, but it should always be taken with a grain of salt.
Even the direct-from-bureau scores should be taken with a grain of salt, because lenders can apply their own score adjustments based on the type of credit you are applying for (mortgage, auto, personal, etc.).
My two cents: Create a solid, diverse credit profile with a perfect history of on-time payments and low credit utilization and the score should follow.
[CENTER][font=Arial][size=60]Equifax: 753, Transunion: 742, Experian: 740
Discover It 10,000
USAA Total Rewards Visa 16,000
AmEx HH 16,300 | AmEx BCP 2,000
Chase Freedom Visa 10,000 | Chase Slate Visa 1,500
PenFed Platinum Visa 10,000 | PenFed Line of Credit 3,500
CapOne Platinum Mastercard 5,000 | CapOne Best Buy 4,500 | CapOne Orbitz Visa 1,000
OnPoint Platinum Visa 5,500 | Barclays NFL Visa 2,500 | US Bank Cash 1,500 | KeyBank PLOC 1,500
Amazon Store Card 400
Total Credit Line: $91,200 -- Last Updated: July 28th, 2013[/size][/font][/CENTER]