- Platinum Member
- Posts: 50
- 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:
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