Financial Planning for Generation X & Y Women
 
Notice: Because of a database server upgrade, this site may be partially non-functional from August 21st to August 22nd. No data will be lost. We apologize for any inconvenience.
Under slight reconstruction until 5PM CST today... Please excuse the dust!
Resource Center
Expert Q&A Archive Teleconference Call Archive Online Resources Federal Reserve Board Resources FPA Perspectives
Error — no()

Expert Q&A Archive

01/16/2008
What types of scores do the three major credit bureaus give you?
I know that you can obtain your credit score and get a free credit report each year, and that Equifax is the only one that gives the FICO score. What types of scores do the other two credit bureaus-- Experian and TransUnion -- provide?
Bettye J. Banks:
expert info »
The three major credit repositories use the Vantage Score. It is a competitor to the FICO scoring model.
Michael A. Masiello:
expert info »
I'm not sure that the FICO score is free; they all provide one free credit history, not necessarily a free credit score.
Gerri Detweiler:
You can get one free credit report per year from each credit reporting agency at AnnualCreditReport.com. You can also purchase a credit score from one or more of the three agencies through the same site. However, you are correct in noting these will typically be educational credit scores and not FICO credit scores, which are the most commonly used credit scores. You may also want to try the Credit.com free Credit Report Card, which will analyze your credit score and help you understand your credit strengths and weaknesses.