- Platinum Member
- Posts: 52
- Joined: Fri Jan 25, 2013 3:10 am
- Location: San Bruno
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:
VantageScore 3.0 - 760 TU, 764 EX (11-19-16, Credit Karma)
FICO 8 - 747 EX (10-22-16, AmEx statement)
Discover - 750 TU (11-4-16, Discover statement)
Current Credit Cards:
RBC - $8000 CAD
BoA - $13500 USD
Capital One - $2750 USD
AmEx BCE - $4000 USD
Discover It - $8000 USD