Pulling credit reports

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Platinum Member
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Location: San Bruno

Pulling credit reports

Postby kelvSYC » Sat Jun 01, 2013 1:40 pm

It's around that time of year that I should pull credit reports (preferably with scores) from the credit reporting agencies. But before I do that, I have a few questions:

* I have already used my free report for all three credit reporting agencies in the US. Where would be the best place to purchase all three? Directly from the credit reporting agency, or through a third-party?
* Knowing that at least one and possibly all three have "educational purposes only" scores, how widely do they differ from real scores?
* Are credit reporting agencies in Canada obligated to disclose real scores? Or are they like the US and can give "educational purposes only" scores?
Current Credit Scores:
Experian - 655 (3-3-13, FICO from lender)
Equifax - 726 (3-21-13, FICO from lender), 677 (6-16-13, FICO ScorePower Report)
TransUnion - 722 (10-10-14, FICO from Discover statement)
Equifax Canada - 810 (6-16-13, FICO ScorePower Report)
TransUnion Canada - 812 (6-16-13, TransRisk Report)

Current Credit Cards:
RBC Rewards Gold Visa - $5500 CAD
Bank of America Cash Rewards - $9500 USD
Capital One PlayStation - $2750 USD
American Express Blue Cash Everyday - $4000 USD
Discover It - $5500 USD

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Location: WI

Postby MemberSince99 » Sat Jun 01, 2013 9:18 pm

You get the most information on your report by purchasing directly from each agency. If you buy from MyFICO, you can get TU and EQ (they do not sell EX) with a real FICO score, but the data is not as comprehensive as you get buying the reports directly from the agencies.

All three are FAKOs or for educational purposes only. They can vary a lot. My FICO as pulled by FNBO on EX is 782, but my FAKO from EX is 746. Likewise the Credit Karma TU score I get is 733, but my last FICO was 750s. So, don't sweat a FAKO too much.

I can't tell you anything about what they do in Canada hopefully another member here can.

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