Thread: why my fico score is lower with country wide ?

It seems kind of fishy to me that companies like credco and country wide get a lower fico score on my experian and transunion reports than they report to me . I have credit watch with both of these companies and the day the lender pulled my credit he said my score was around 650 . I pulled that same day because I was upset , and my fico was 707 !! what the hell is this . Anyway he had a bunch of reasons why his was lower , but isnt the fico I get right from the bureu the most accurate since there the bureau !! somebody please explain something else if this isnt just a way to hold rate on ignorant people ..

Unfortunately most online credit reports are scams. They are just there to take your money.

I once had a client who paid $50 for a credit report online that told him he had a 700

remember your credit bureau is the same nice company that sells all your information to everyone under the sun including your score, debt and amounts of mortgages. They are just there to make a buck from you however they can.

Originally Posted by TJ2007

remember your credit bureau is the same nice company that sells all your information to everyone under the sun including your score, debt and amounts of mortgages. They are just there to make a buck from you however they can.

This is true and that is the rason, if you get a credit check you get too many credit card offers. From companies you never know of.

As your data is sold when you get a credit check.

Bad credit, good credit, don't matter, you just get credit card offers.

I hate that, but there is not much I can do.

Thanks

so your saying my fico has a more true fico score than the actual bureau itself ? transunion , experian , equifax ; these are the only true fico scores , they are the agencies responsible for fico (fair isacc) . I know alot about credit , and by the way you can opt out of sharing any info with bussinesses by checking a box . What are you all trying to say ? that there are more bureaus than these three ? well that is incorrect i know . Can third party companies just make up there own point system ? maybee.

that

and one more thing for those of you that are completly mis informed . Pulling credit on one of the three bureaus does not hurt your credit . It is reffered to as a soft pull (your not trying to obtain money ) which doesnt effect yoour credit . but it always nice when mortgage brokers say not to get it pulled so you dont shop around !! ha ha ha

You are absoutely correct about genuine

if you get your credit pulled for the same type of loan it dosent lower your score , because the bureau knows consumers need to shop around . Do brokers expect us to just go with them and not shop rates ? uh that dosent make much sense . Once again I dont know about suzie ormans site , it looks kind of fishy to me . Definetly not as corporate or proffessional as equifax. For the record suzie gets her fico for you from=

EQUIFAX
TRANSUNION
EXPERIAN

the only bureaus that exist

(ummm...I was just posting here to give you some input on your question. Sounds like you just want to fight - YOU NEED TO BE FIGHTING THE BUREAUS!)

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