FICO Scores from free trial type places
 

I've received a few of these recently, mostly out of curiosity, and was wondering if they are accurate. Both purported to be from actual credit bureaus (TransUnion and Equifax); is it right to assume that the scores are accurate based on reputable calculations?

Re: FICO Scores from free trial type places
 

That depends. Is this 'free trial place' reputable? Does all of your information look accurate to you? If so, then most likely the answer is yes. Each bureau has its own scoring method so your score will vary a little from one to the other.

Re: FICO Scores from free trial type places
 

Yes, they are your actual credit reports. Enjoy the tidal wave of spam about to come your way from your leads that they sold :-)

Re: FICO Scores from free trial type places
 

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Yes, they are your actual credit reports. Enjoy the tidal wave of spam about to come your way from your leads that they sold :-)

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lol...sooo true.

Re: FICO Scores from free trial type places
 

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Yes, they are your actual credit reports. Enjoy the tidal wave of spam about to come your way from your leads that they sold :-)

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Indeed, that's why I have one e-mail purely for these types of things (isn't this pretty common?). That is good news that they are accurate, but that makes my situation even more confusing. My recent score prior to applying for a "bar study" loan was 727 from one service, and 722 from another. I thought this was pretty good, but I was still denied the "normal" interest rate (i.e., I was viewed as some form of advanced risk). Thoughts?

Re: FICO Scores from free trial type places
 

I've gotten one of these and it seemed like a bona fide credite report and was fairly detailed. Also, I have a seperate email account that I use just to sign up for stuff online that is likely to generate spam.

Re: FICO Scores from free trial type places
 

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Yes, they are your actual credit reports. Enjoy the tidal wave of spam about to come your way from your leads that they sold :-)

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Indeed, that's why I have one e-mail purely for these types of things (isn't this pretty common?). That is good news that they are accurate, but that makes my situation even more confusing. My recent score prior to applying for a "bar study" loan was 727 from one service, and 722 from another. I thought this was pretty good, but I was still denied the "normal" interest rate (i.e., I was viewed as some form of advanced risk). Thoughts?

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727 isn't bad, certainly above the average. Mine, the last time I checked it, was almost 100 points higher than yours.

How old are you? How long have you been at your job? When is the last time you opened an unsecured credit account? You mentioned a bar study loan, what is that? Like a loan for law school or something?

Re: FICO Scores from free trial type places
 

I've seen scores from places like freecreditreport be off by as much as 30 points numerous times. I wouldnt consider them accurate at all as far as the scores go. What they are good for is checking whats on your credit report, inquiries, etc.

BTW 720+ is good credit...

Re: FICO Scores from free trial type places
 

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I've seen scores from places like freecreditreport be off by as much as 30 points numerous times. I wouldnt consider them accurate at all as far as the scores go. What they are good for is checking whats on your credit report, inquiries, etc.

BTW 720+ is good credit...

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Obviously 720 didn't get OP a preferred rate. Did it?

720 is certainly not bad & is well above the national average.

Re: FICO Scores from free trial type places
 

Two scores with neither one lower than 726 is the normal industry cutoff, you just missed it.

Re: FICO Scores from free trial type places
 

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720 is certainly not bad & is well above the national average.

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But, it's below the national median of 723.

Re: FICO Scores from free trial type places
 

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720 is certainly not bad & is well above the national average.

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But, it's below the national median of 723.

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It's not that high is it? I hear it quoted all over the place.

Re: FICO Scores from free trial type places
 

I believe that the average (arithmetic mean) score is 678. But, ~50% of people have a score greater than 723 and ~50% have a score less than 723.

Re: FICO Scores from free trial type places
 

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I've seen scores from places like freecreditreport be off by as much as 30 points numerous times. I wouldnt consider them accurate at all as far as the scores go. What they are good for is checking whats on your credit report, inquiries, etc.

BTW 720+ is good credit...

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Obviously 720 didn't get OP a preferred rate. Did it?

720 is certainly not bad & is well above the national average.

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You're right and the only consideration for a loan is the credit score...

Re: FICO Scores from free trial type places
 

From what I remember from real estate, 720 is where you start to get the "billboard rates." The nice APRs you see on the highway.

720+ = good.

Re: FICO Scores from free trial type places
 

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From what I remember from real estate, 720 is where you start to get the "billboard rates." The nice APRs you see on the highway.

720+ = good.

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Why do all of you insist that 720 is such a great credit score??? I work as a credit analyst & I will be the first to admit, it's a very decent score. But, in a lot of cases, not good enough to get the top notch interest rates.

Re: FICO Scores from free trial type places
 

Brad1970: I think there's a difference between good and great. 720+ is really where you start getting into "A" tier rates as far as residential lending is concerned. Is it great or excellent credit...no. Another thing, OP should get copies of his reports directly from the bureaus and find out what's going on. I initially responded to this thread only because I see drastic differences between what the free credit reports say and what you get when you pull a tri merge.

Re: FICO Scores from free trial type places
 

Actually I can't remember. It's been 4 years... Maybe it was 780 was the cutoff for the nuts rates.