Is FreeCreditReport.com not accurate?

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2 posts
neptunejcw
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Location: Indiana

Is FreeCreditReport.com not accurate?

Postby neptunejcw » Wed Mar 06, 2013 2:42 pm

I recieived a free 3 bureau report from freecreditreport.com & I compared my freecreditreport.com Transunion report to my refreshed report on Transunion.com.

I saw some accounts on my Transunion.com report that weren't on my freecreditreport.com trans report. Whats the issue with that & which one to believe for accuracy?

Also my transunion.com score is now 659 & my freecreditreport transunion score is 686...


ncosky290
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Joined: Tue Feb 12, 2013 7:37 pm
Location: Minneapolis

Postby ncosky290 » Wed Mar 06, 2013 2:53 pm

The scored are different because they are internal calculations. Only a FICO score matters. Those scores you see are Plus Scores and every company calculates them different. Totally trust the TU report over FCR. FCR is provided by Experian and pulls the info from TU and EQ throughout the months and may not be totally up to date. I use Credit Secure from Amex. It is the best so far I say.
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