I work for a mortgage company and we also use the middle score. Because the three scores can differ so significantly the middle score is a way of averaging out the 3 scores. Also if you're applying for a loan with a co-borrower you should know that we use the lower of the two borrowers middle scores when determining what credit score to give the loan. So if your scores are 680, 700, and 710 we score you a 700. If you're applying with your spouse who's scores are 610, 630 and 640 the spouse's score would be 630 and 630 would be the score assigned to the loan.
The advantages of a merged credit report as opposed to requesting your credit report from one of the major credit reporting agencies include the ability to obtain a report from multiple sources at the same time and get a total report of a persons credit. You can learn more about Merged Credit Reports from the MicroBilt website. Once on the page, hover over Credit Data in the menu and click on Merged Credit Reports to bring up the information.
Fair Isaac Corporation is the major credit scoring company that compiles your credit scores from your payment history. Your credit scores indicate the risk involved that you will not default on your payments. If your score is 300 to 400, you are a major credit risk. If it is 750 or up to the highest at 900, you are an excellent credit risk. FICO reports your credit history to the three major credit bureaus. Go to FICO's website and check your raw credit score by paying a small fee. Compare it to credit bureau reports.
Credit reports online are reliable. These reports are taken from the same three major credit bureaus that lenders will pull their own reports from.
There IS no government site for free credit reports, since credit reports are provided by private firms, NOT by the government.
Each person is eligible for three free credit reports a year. These reports are available from the following credit reports bureaus: Equifax, Experian, and TransUnion.
One can compare insurance brokers from the following sources: Go Compare, NCI - National Credit Insurance, Credit Insure, Money Supermarket, Status Credit Constriction, Trader Risk Group, to name a few.
It is possible to obtain all 3 credit reports at once through Equifax. Your three credit bureau reports will include reports from Equifax, Experian, and TransUnion.
There are three different credit reports. Experian, Equifax, TransUnion
Yes, free online credit reports are usually pulled from the 3 major credit bureaus Experian, Equifax and Trans Union. These are the same credit reports your lenders will pull if they pull your credit.
Your credit follows you individually. If you have joint accounts then they appear on both of your credit reports.
You can get free annual credit reports online from www.freecreditreport.com.
For those looking to obtain 3 free credit scores and credit reports they may be able to get it from the Free Score website. The site offers 3 free credit scores and credit reports from 3 credit bureaus.