A credit check by a lender may affect your credit score, but you can always check your own report without consequence. Getting your FICO credit report score (at least the one that's available) at annualcreditreport.creditscore Phoenix com is confusing at worst, and ambiguous at best. With its official mission (the law requires its existence), you might think it would be a .gov web site.
Unfortunately, getting your FICO score at annualcreditreport.com is not a good idea (see above for where to get your FICO score).
The credit creditscore Phoenix bureaus, of course, don't like giving away free credit reports, so they're creditscore Phoenix not about to make it easy for you to escape with selling you something, creditscore Phoenix too. The best thing to do at annualcreditreport.com is to get your free credit reports, and leave. It doesn't say which credit score-- just a credit score. business credit reports free And, according to media reports, in two out of three cases (TransUnion and creditscore Phoenix Experian), the score is not the FICO.
It's in the law: The part creditscore Phoenix about what the Federal Trade Commission calls "educational" scores. Consumer Reports writes, "These scores are available when a consumer obtains a credit report via the annualcreditreport.com site for $5.95 (from Experian for a VantageScore [not a FICO]), $7.95 (from Transunion for a VantageScore), and $7.95 (from Equifax for a FICO Score)." According to CNN in the story, "Credit score confusion reigns" (Jun. 29, 2007), "The VantageScore is now the default score sold to consumers by Experian and TransUnion, either through their Web sites or via annualcreditreport.com." (That is not true. free credit report no credit card required The score at Experian.com is the PLUS.) A blogger (and his posters) describes the lunacy in "The Confusing World Of Credit Scores And Some Pointers For Getting creditscore Phoenix FICO Scores For Cheap," where he writes, "I don’t know why they are making it so complicated for the common man." Research for this topic via first-hand experience is limited to once every 12 months, so contribute to the collective knowledge. In a November 28, 2005 account of a person's experience, BusinessWeek reports, "When you request a free credit report, each bureau will offer to calculate a credit score for $6.95. Experian and TransUnion use proprietary formulas; Equifax uses FICO scores." The Consumer Federation of America/Fair Isaac pamphlet "YOUR CREDIT SCORES" describes the annualcreditreport.com credit scores by their respective scales: FICO score via Equifax: 300850 Experian score: 330830 [that's the PLUS score, not a FICO] TransUnion score: 150934 [the TransUnion Score, not a FICO] The date on creditscore Phoenix that document is 2005. 3 credit reports In a November 30, 2004 story, a writer at the creditscore Phoenix San Francisco Chronicle reported, "For $5, Experian offers its own Plus credit score." Summit Credit Union in Madison created an extremely instructive and detailed document on March 4, 2005.
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