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  1. Ok new here but not new to forum world and novice in credit rebuild. Doing LOTS of reading for NEWBS on here. One frustration I have is where can I get my actual FICO scores which financing companies are pulling? Here is an example of my frustration: October 25th I call up AT&T for U-verse set up in a new place I moved into. Hard pull. DONE. Busy with the move and forget all about it until I received the letter in the mail "Hey we pulled your credit blah blah...716 is the score. Still busy with the move threw it in the trash. Today I realized MyFico score on that date was actually 535 (rebuilding remember?). on 11/11 Barclays did a hard pull for a CC app, denied, recon'd, approved. TU Score on that date was 623. All the other free Fako's I have pulling from TU say 591. ARGHHHHH!!!! How the heck am I supposed to know if I'm making ACTUAL progress on FICO scores if everything and everyone is different? I can't keep getting hard pulls for the sake of seeing my scores right!!!! Does MyFICO pull your FICO score and just adjusts THAT pulled FICO score up or down based on activity or does it pull the FICO score again? Sorry I've searched but my eyes are bleeding from all the NEWB reading and i just can't seem to get a specific answer to my question. Bits and pieces of inference is what I'm mostly seeing.
  2. The average FICO score among American consumers hit an all-time high in April at 692, up one point from the same time last year and six points higher than the low point of 686 in October 2009. The credit scoring company has been tracking the average consumer FICO score since October 2005, releasing updated averages every 6 months. As far as FICO scores go, 692 is on the high end of average, as the scale ranges from 300 to 850. Anything between 700 and 749 is generally considered a good score, with the best scores ranging 750 and higher. Since the average bottomed out at 686 in 2009, it has generally trended upward, returning to its pre-recession high of 690 in April 2012. Anthony Sprauve, senior consumer credit specialist at FICO, said there’s no way to definitively say what drove the improvement, but it’s likely tied to consumers’ better sense of financial responsibility post-recession. “After the recession, consumers have become better stewards of their financial house; they’re paying more attention to their finances,” Sprauve said. “They’re more educated and more aware, and I also think there are fewer confusing financial products in the marketplace.”

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