FAKE credit scores

[porgy1000]

It really upsets me to have to pay the credit bureaus to get my scores only to find out that what they are giving to me are NOT my credit scores.

My experian and my transunion scores are 64 and 62 points LOWER then they are on the Myfico.com site.

Banks use FICO scores, NOT the scores that we are paying for from the credit bureaus.

I see people post in the reviews things like; "I was just approved for a high credit line and my score is 640"..

SURPRISE your score is NOT 640. If you go to the MyFico site your score is probably over 700.

I just feel like we are all being duped into thinking that we are being sold our actual scores when in fact we are sold everything but.

[jnjsarauer]

I listen to Suze Orman all the time, and that's what she says too. The FICO score is the only thing that truly matters when you're applying for loans or lenders are determining your rate. In the states, a person can pull their credit report from all three bureaus once a year, so there's no reason to pay a dime for that information.

[porgy1000]

As far as I know, you can pull your credit reports once a year for free, but not your scores. I may be wrong.

I rather pay for my credit reports so I have immediate emails if someone uses my identity. I also pull my report at least twice a week and I always make sure they are correct. Usually once a month I dispute something. It may not be a big thing but I like to keep my reports 100000% up to date and correct.

I listen to Suze Orman too. What troubles me again heheheheh, well your FICO scores , your REAL fico scores can only be purchased from MyFico, NOT from the 3 credit bureaus. I have no idea what we are being sold at the credit bureaus but they are sure NOT fico scores. A bunch of garbage if you ask me.

HOWEVER, I belong to each of the 3 bureaus to keep an eye on my reports, you would be surprised how a bank can f**k you up with one improper reporting

[Meya]

So is mycreditkeeper fico scores? I know truecredit is fake, but i just realized that on the bottom of the screen on mycreditkeeper says powered by transunion.

[porgy1000]

Sorry Meya, bad news. MyCreditKeeper is NOT FICO scores. The scores they give you from transunion etc are NOT fico. The only way I know how to get your REAL FICO scores are as follows;

Pay MyFico.com $44 every time you want to find out

OR

get a WAMU visa or mastercard. WAMU gives you your REAL Transunion Fico score every month for FREE. As far as experian and equifax, well, the only way I know is to pay MyFico. Unless there is another member who can tell us if any of their credit cards gives free FICO scores... It is worth having that card just to get the scores. I am thinking about getting a WAMU card just to get the free transunion score each month. But if WAMU is bought out by Chase in May, you can kiss that FREE TU fico score goodbye

[columbia45]

You're right!!! On Experian it says I have a 721 Score and on myFICO it says my FICO is 598!

[porgy1000]

Just to let you know; MyFico uses the info from your EQUIFAX credit report to give you your basic Fico. You would need to purchase ALL THREE scores from MyFico for about $44 to find out all 3 of your true Fico scores.

There may be something bad in your Equifax that doesnt show up on your Experian too though

[columbia45]

Nope they both match perfectly. Hmmm what's the deal???

[porgy1000]

The score you get on the Experian site is NOT your fico score. Since 90% of the banks use Fico, if your actual score at MyFico is 598, then thats what it is.

The scores that you find on the 3 bureaus are NOT fico scores and that was my reason for posting this topic in the forum.

We are all in the same boat. Unless we pay MyFico you just get a FAKEO LOL at the bureaus.

[Meya]

Hjm was talking about another credit monitoring system that gives true fico scores. let me go back and retrack a posting. Hjm if you come on before I find it, please let me know what it was. Coming to think of it, i think you mentioned it in chat.

[hjm331]

Meya, I was talking about freecreditreport.com. I didn't say they gave FICO score but they do have their own scoring system which isn't even close. My experian+
credit score on FCR is 718. My FICO for experian is 660. See the difference?

[Meya]

Thanks HJM! Ok when I went to myfico, there were too many options to choose from and I watched the demos, which is the best? So you can only pull from myfico once per month?

[Ash]

I was one of the ones who subscibed to my credit keeper for over 2 years. Thats the problem! I had no idea they were fake until I applied for a mortgage. I had a rude awakening...

From research I went to myfico and pulled all three of my scores and compared it to credit keeper I was shocked! Thats when I figured FAKO vs FICO...
I kept very detailed of my credit pulls and I could never understand why my score never changed no matter how many cards I paid down and vice versa...

I kept pretty good records and keep the reports check it out. Equifax is my lowest score and Thank god for myfico because I was on needles and pins when I went to close my mortgage is August. I glad they used my middle score from TU, & Experian though...

Mycreditkeeper.com

07/06 - Equifax 586
07/06 - Experian 598
07/06 - Transunion 592

08/06 - Equifax 571
08/06 - Experian 595
08/06 - Transunion 585

09/06 - Equifax
09/06 - Experian
09/06 - Transunion

10/06 - Equifax 575
10/06 - Experian 599
10/06 - Transunion 581

11/06 - Equifax 578
11/06 - Experian 597
11/06 - Transunion 585

12/06 - Equifax 577
12/06 - Experian 597
12/06 - Transunion 583

01/07 - Equifax 578
01/07 - Experian 599
01/07 - Transunion 582

As of 02/19/07
02/07 - Equifax 589
02/07 - Experian 604
02/07 - Transunion 589

As of 03/22/07
03/07 - Equifax 589
03/07 - Experian 607
03/07 - Transunion 590

04/07 - Equifax - 589
04/07 - Experian - 607
04/07 - Transunion - 590

05/07 - Equifax - 597
05/07 - Experian - 614
05/07 - Transunion - 596
-----------------------------------------
My Fico - 06/13/07

Equifax - (560) 06/07; 06/25 (579)
Experian - 588
Transunion - 593

My Fico - As of 07/19/07
Equifax - 588
Experian - 624
Transunion - 617

06/07 - Equifax 599
06/07 - Experian 617
06/07 - Transunion 597

07/07 - Equifax 603
07/07 - Experian 594
07/07 - Transunion 575

09/07 - Experian 636
- TU 632
- Exfx 609

***Equifax Only MyFICO Watch***
Date FICO® score Details Credit alert on same day?

1/27/2008 614 Score Watch® alert: Your score is unchanged.
1/25/2008 614 Score Watch® alert: Your score has gone up.
1/21/2008 605 Score Watch® alert: Your score is unchanged.
1/16/2008 605 Score Watch® alert: Your score is unchanged.
1/7/2008 605 Score Watch® alert: Your score is unchanged.
12/25/2007 605 Score Watch® alert: Your score is unchanged.
12/24/2007 605 Score Watch® alert: Your score is unchanged.
12/18/2007 605 Score Watch® alert: Your score has dropped.
12/16/2007 614 Score Watch® alert: Your score is unchanged.
12/10/2007 614 Score Watch® alert: Your score is unchanged.
12/5/2007 614 Score Power report: Your score is unchanged.
12/5/2007 614 Score Watch® alert: Your score is unchanged.
12/3/2007 614 Score Watch® alert: Your score has gone up.
11/30/2007 608 Score Watch® alert: Your score is unchanged.
11/29/2007 608 Score Watch® alert: Your score is unchanged.
11/26/2007 608 Score Watch® alert: Your score is unchanged.
11/23/2007 608 Score Watch® alert: Your score is unchanged.
11/19/2007 608 Score Watch® alert: Your score is unchanged.
11/18/2007 608 Score Watch® alert: Your score is unchanged.
11/16/2007 608 Score Watch® alert: Your score has dropped.
11/15/2007 612 Score Watch® alert: Your score has dropped.
10/28/2007 613 Score Watch® alert: Your score is unchanged.
10/24/2007 613 Score Watch® alert: Your score is unchanged.
10/21/2007 613 Score Watch® alert: Your score is unchanged.
10/15/2007 613 Score Watch® alert: Your score is unchanged.
10/12/2007 613 Score Watch® alert: Your score has dropped.
10/10/2007 615 Score Watch® alert: Your score is unchanged.
10/9/2007 615 Score Watch® alert: Your score is unchanged.
10/5/2007 615 Score Watch® alert: Your score has gone up.
9/25/2007 603 Score Watch® alert: Possible lower rate on a new HLOAN . Yes More info
9/14/2007 599 Score Watch® alert: Your score is unchanged.
9/8/2007 599 Score Watch® alert: Your score is unchanged.
8/27/2007 599 Score Watch® alert: Possible higher rate on a new HLOAN . Yes More info
8/24/2007 600 Score Watch® alert: Your score is unchanged.
8/22/2007 600 Score Watch® alert: Your score is unchanged.
8/21/2007 600 Score Watch® alert: Your score is unchanged.
8/13/2007 600 Score Watch® alert: Possible lower rate on a new HLOAN . Yes More info
8/7/2007 598 Score Watch® alert: Your score is unchanged.
8/5/2007 598 Score Watch® alert: Your score has gone up.
7/17/2007 588 Score Watch® alert: Your score is unchanged.
7/13/2007 588 Score Watch® alert: Your score is unchanged.
7/6/2007 588 Score Watch® alert: Your score has gone up.
6/25/2007 579 Score Power report: Your score is unchanged.
6/24/2007 579 Score Watch® alert: Your score has gone up.
6/18/2007 560 Score Watch® alert: Your score is unchanged.
6/11/2007 560 Score Power report: Your score is 560.

[Ash]

They had a promo to use free for 1 month after that you can pay monthly or one lump sum of eighty something???

I pay 8.00 per month and if you want addt'l pulls to the other 2 agencies I look for coupon codes on the net. Sometimes its 15%-20% off the regular price.

[porgy1000]

Meya, hmmm, here is the BAD news. To get your real fico scores, the ones that the banks see and use, it is NOT good news.

You can pay MyFico for each score total about OUCH $90

WAMU gives TU FICO for free each month.

The score you get on freecreditreport.com is your experian WORTHLESS fako score.

Ash, when you apply for a mortgage they THROW OUT your lowest and your higest score. For a mortgage your MIDDLE score is what they use.

When I took out my mortgage, same thing, I had Wells Fargo email me 3 actual FICO scores. That is how I knew the scores that we have access to on the CB web sites where fakes.

OK, here is where it gets WORSE, You have differient fico scores you know.

You have a FICO score as a mortgage score, which IS NOT the same as your auto loan fico score. Your credit card fico score is differient as well

FICO has differient scores for you as well based on the type of credit you apply for.

(ie) You go to a car dealer, your auto loan Fico from Experian may be 650, your mortgage fico may be 705, and your credit card fico can be 610. YES and all based on just one bureau report.

They base your differient FICO scores on how you MAY DEFAULT in the future on each seperate type of credit LOL. You actually have 7 differient fico scores at Fair Isac from each of the 3 bureaus (21 total fico scores). When you apply for new credit, the lender puts in the type of credit you are seeking, and is provided with a specific fico score. I have read all 640 pages of the Fico credit policy, so any questions you have, I will do my best to answer