How can I see my REAL credit score?

I looked at 3 different websites: score sense gave me a 680, credit karma gave me a 567 and quizzle gave me a 614. I am so lost!! Which one is my credit score?Is there a more official way to find out?

Liked this question? Tell your friends about it

4 Answers

Order by
Oldest to Newest
Newest to Oldest
Votes

I wish it was that simple, but it's the opposite. You have a few scores. FICO, Vantage and CreditKarma. Each use different formula and different scale. FICO scales is from 300-850. Vantage goes from 501-990. Not sure about CreditKarma. FICO is the only one that should interest you. 90% of financial business (banks, c.c. companies etc) use it. Vantage is an attempt of the 3 large credit bureaus (Equifax, Experian Transunion) to bite on Fair-Issac's share (the inventor of FICO).  Credit scores are database driven. Each of the 3 credit bureaus keeps information about your financial behavior in their databases. Not all financial institutions report to all 3 bureaus. Some may report to only one credit bureau. Others report to only two, and some report to all. The credit bureaus do not share information between themselves. As a result - each database will produce different score even when it's fed into the same formula. As to further complicate things - it turns out that there are different versions to FICO. Auto finance companies use one version, while mortgage companies use a different one and so on. So even if both will check your credit at the same time from the same bureau - still, they will get a different score.

When you check your score they use a generic formula. This should explain the differences.

 

You can find more information about it here: http://www.credit-report-101.com/understanding-fico-scores.html



Hi Ahmad. We’d be happy to resolve any problem. Give us a call at 1-800-294-7695, and one of our paralegals will be happy to assist.

Go to http://www.creditscore.com/ and take a membership for nominal charges. And I am sure they will definitely provide you the real and accurate credit scores.

Or you can request your credit score for free at http://www.freecreditscore.com/

Related Questions

Other people asked questions on similar topics, check out the answers they received:

Asked: Credit Card ? how can i get it.

I want a credit card, where can I get. I was discussing with my friend circle. one of my friend send me a merchant name 'Alliance Bankcard Services' . I need more idea, if you have please share with ...

Asked: Student Credit card

I am a student and need a credit card. Which one to apply for.

Asked: Are credit card companies offering interest free ...

Are credit card companies offering interest free till 2016

Ask a Question... We'll forward it to people who know

More Questions

Removing possible foreclosure from my credit report when property was

To get the negative listing off your credit report you can file a dispute to the credit report agency.

What lowers your credit score other than unpaid bills?

5 OF THE ALIASES THE LONELY LOSER HAS POSTED UNDER GO TO THE FACEBOOK PROFILE PAGE OF THE PERSON HE CLAIMS IS DEAD. Rocmike is now posting under Anne S. He also posted as a fake Marine, Fred G., Brother B. and The Little Tramp. All of these aliases names along with many others goes to his Facebook ...

Lower Credit Score. Looking for a Credit Card

I would suggest you to get a secured credit card. This can also help you to build your credit score. Once you have built some credit points through it, then you could probably apply for a credit card.

I need an account # so I can set uo a direct ...

That wouldnt bring your score up always, in fact that would likely bring it down initially. By paying items off, you are updating your credit, so it is renewed on the report. It is better to try and have the item deleted from the report all around so you dont have to worry about it. I would try ...