What are my scores?

[ReallyNicole1]

What is the least expensive way of getting all three of your credit scores. I have the reports through freeannualcredit.com but no scores.

[amandanicolem87]

Start with opening the thread titled "New Members Read This First" and go from there.

[mariuszh]

http://creditboards.com/forums/index.php?showtopic=471672&page=9

[ReallyNicole1]

Thanks. I saw that but I was wondering, should I pull monthly? That can get a little costly for me.

[mariuszh]

No reason to purchase a FICO score monthly.

 

If you open an account at a CU that offers it for free, or if you open a card that offers it for free, you will get it monthly from those sources.

[fixboot]

I think EDIT might be a good resource for you as long as they can get the EQ pull issue fixed. Daily pulls of all 3 CRs with 3 FAKOs for 12 something a month.

[mariuszh]

I think EDIT might be a good resource for you as long as they can get the EQ pull issue fixed. Daily pulls of all 3 CRs with 3 FAKOs for 12 something a month.

 

If the OP's sole purpose is credit scores, purchasing FAKOs would be throwing money down the toilet.

[fixboot]

I think it depends more on what the OP thinks the scores are needed for. If it's the beginning of an intervention true ficos might be nice, but arguably unnecessary. At least EIDT would provide a daily look at 3 CRs to provide REAL perspective on what's happening with the repair process.

[fixboot]

But you are absolutely correct. If the full purpose is just a look at actual scores, EDIT would be a total waste of moolah.

[mechanicworkman]

As others have mentioned digital FAKO scores are useless and arn't even as useful as toilet paper. Only scores that matter are FICO. Do u need to know ur score to get a loan? What FICO scoring model are they using? Since u asked about cheap the true cheapest way is to have a lender pull and have them tell you what ur score is depending on their model. Since the score they give u is the one they will be using that score does matter. But then again you will take a hard pull. Since I'm giving out free knowledge today I will give u some actual usefull one.

 

1. Always get credit cards that do soft pulls for CLI. Request credit line increases steadily(every 6 months)now since I have already received a CLI this 6 month period when I apply at the say 3 month period with cap1 I will get a denial letter with my FICO score on it.

 

 

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[ReallyNicole1]

I would like to get me scores so I will know where I am starting. I currently have a 611 TU per CreditKarma. I am trying to get a score of 640/660 to help my husband with a mortgage by September. Last year in March, I was not able to get on the loan because my scores were to low. Well, that also meant my income would not be included. I currently have 4 accounts in good standing and 6 old accounts more than 3 years old. My foreclosure is 3 years out. My score went from a 544 to a 611 as soon as the foreclosure met 3 years. Now, all these collection companies from over 5 years are popping on my credit report as open accounts and recent collections. Help. Plus, I would like to do a signature with the most recent information.

[fixboot]

If you want a TRUE credit score you need FICO. Credit Karma is not a real score... CK can be used as a reference point to gauge forward progress, but not really accurate as a starting score.

[shifter]

My score went from a 544 to a 611 as soon as the foreclosure met 3 years.

that's your CK score with means absolutely nothing. however you have bigger problems below

 

Now, all these collection companies from over 5 years are popping on my credit report as open accounts and recent collections.

by applying to get pre-approved for a mortgage, you raised your collections score and now these companies are coming out of the woodwork looking to get paid. they know you'll have to take care of any unpaid collections on your report before you'll be able to get approved for a mortgage.

 

you need to start reading here and learning how to start deading with all of those new bad accounts and collections.

[mariuszh]

Step 1 for you:

 

Opt out: https://www.optoutprescreen.com/?rf=t

[ReallyNicole1]

Step 1 is done.