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No Fico is not the only credit score company. There are three major credit companies as well as Fico. Experian, Equifax and Trans-Union. Each one will give you a different credit score as well
the only way to get your FICO score if to access your credit report if they can get your report they can get your score. check out www.thecreditguy.tv for more information
Are you really going to listen to someone who can't spell listen? It is not a scam, it is a legit site. I have been a member of Credit Karma for 3 years now and my identity has not been compromised. The reason it is free is because it is not a FICO score (the one that really matters) it is a score from TransUnion who is a reputable credit report agency. It is very close to the FICO score as it was only 7 points away from my FICO score. And to add, the score is not a real score like FICO. It is a "guessed score" based on your real credit report.
The PLUS score is a type of credit scoring similar to the more well known and influential FICO scoring system. PLUS was developed by Experian and is only used by that company. It is not as widely accepted or as influential as the FICO score.
One has to purchase their credit score which is different from a credit rating. The credit score is purchased from FICO which is the only place to buy if from so you do not get two different scores.
From a landlord that only has a few properties and does not have the resources to pull a credit report on his potential tenant's
FICO scores do not go down to 1.
Your beacon score is basically an equifax branded FICO score, there is no difference except that a beacon score uses data found in your equifax credit report only. So if data furnishers do not report to equifax it will not appear on their credit report and thus this information will not be reflected in your beacon score.
FICO scores are used for people with both social security numbers and individual taxpayer identification numbers. Credit is rated by the number and type of account.
Before answering this question, you need to apply the proper credit score range, which for Fico is 300-850 and for VantageScore, is 501-990. We'll assume you're referring to Fico, as it's the most commonly used credit score out there. A 658 credit score would be defined as below-average credit, or perhaps fair. It's certainly not good, as credit scores upwards of 660 are only average. If your credit score is in this range, you probably have a late payment or two, as well as high balances. The best way to improve your credit score is to pay off high balances, make on-time payments, and apply for new credit sparingly.
I would say, according to most measures, that a 757 FICO score is an excellent score. This score qualifies for the lowest interest rates on home mortgages from many banks. As for auto loans, you are squarely in the top tier; a FICO score of 720, in most cases, qualifies you for the lowest interest rates on that type of loan. Of course, there are other factors which would lead to the lowest interest rate--but a high FICO score seems to be quite a significant factor. I would only be concerned if my credit practices (such as paying bills 30 days late) causes that score to become LOWER.
Yes and no. FICO will make adjustments to your score when you shop for credit, which is what an inquiry indicates. How much this will affect your score depends on your credit history. Someone who does not often shop for credit may only be reduced a point or two, or maybe even see no reduction at all. Someone who already represents some form of credit risk may see a bigger decline in the score. With that said, according to FICO (www.myfico.com) multiple mortgage inquiries within a 14 day timeframe will count as one inquiry as far as it affects your score. They expect you to shop offers, just make sure you do it within the timeframe. The inquiries will still appear on your report, they just won't continue to hurt your score. On a side note, self inquiries do not affect your score.