Report credit card Phoenix

The third credit bureau is playing report credit card Phoenix a big game with consumers. Avoid being taken by buying, and getting confused, by a credit score nobody in lending uses. "The PLUS Score® is not currently sold to lenders, and is not an report credit card Phoenix endorsement or guarantee of your credit worthiness as seen by lenders." - Experian There are cheap imitations to confuse report credit card Phoenix you.

One, in particular, report credit card Phoenix seems to be everywhere: The PLUS score by Experian. It has a scale (330-830) strangely similar to the FICO (report credit card Phoenix 300-850). A common scenario report credit card Phoenix sees a consumer obtaining this "consumer-focused" score, seeing the number, breathing a sigh or relief that theirs is above average, then finding out that their score that the lender uses is lower, and that the consumer's credit report score is nowhere near average. check credit free First, be sure that you get the credit score that you think you're getting. If you spend your money on anything, make it the authentic FICO score. It is the type that "is most often used by lenders" (alt).

Each of the three national credit bureaus ("consumer reporting agency report credit card Phoenix that compiles and maintains files on consumers on a nationwide basis") produce report credit card Phoenix a FICO score from their file about you. You can get the third (or all three) 2 out of 3 2/16/09 from the FICO score company, Fair Isaac, itself. all 3 credit report

Fair Isaac's myFICO.com web site is the only place where you can get access to all three 2 out of 3 FICO report credit card Phoenix scores and credit reports. Just as important, it also provides access to score simulators for two out of three of the scores (Equifax and TransUnion) to illustrate what actions that will cause your score to go up or report credit card Phoenix down. There is a credit score message board to commiserate with other 800 (or 600 or 700) credit score wannabes. $15.95 for your Equifax credit report and BEACON[dead link] (the Equifax FICO score). You cannot get your Experian or TransUnion FICO scores there. [update 12/4/2010] $14.95 for report credit card Phoenix your TransUnion credit report and FICO score. 1 free credit report per year You cannot get the other two bureaus' FICO scores there.

Obtaining your own credit report does report credit card Phoenix not damage it (or affect the credit score in any way, at all) and lenders do not see a record of your inquiries.