FICO Scores from free trial type places

[Hey_Porter]

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?

[Brad1970]

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.

[bad beetz]

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

[Brad1970]

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

[/ QUOTE ]

lol...sooo true.

[Hey_Porter]

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

[/ QUOTE ]

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?

[NickMPK]

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.

[Brad1970]

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

[/ QUOTE ]

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?

[/ QUOTE ]

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?

[AggroFish]

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...

[Brad1970]

[ QUOTE ]
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...

[/ QUOTE ]

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

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

[Wake up CALL]

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