ree Credt Reports

[sd_bear]

cardiff, you mentioning that song now got that stuck into my head. ugh.

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[sd_bear]

Their FAQ says credit scores range from 150-950… when you go to the details of your score it says the following:

* FICO: traditionally between 300 and 850.
* Experian: 330 – 850
* Equifax: 300 – 800
* TransUnion: 150 – 950
* VantageScore: 501 – 990 ( letter grade, A-F )

So they probably pull all of this information and average into a 150-950 point scale. My 796 doesn’t hold up too well, says its only the 61th percentile. Except when I pulled my credit score last year with one of the agencies it had me at 804, which is around 90-95th percentile. Nothing has changed in the past year regarding my credit – two credit cards that I keep low balances on and pay off every month, and never had debt, so I’m not sure why my score according to creditkarma would be much lower.

[sd_bear]

Their FAQ says credit scores range from 150-950… when you go to the details of your score it says the following:

* FICO: traditionally between 300 and 850.
* Experian: 330 – 850
* Equifax: 300 – 800
* TransUnion: 150 – 950
* VantageScore: 501 – 990 ( letter grade, A-F )

So they probably pull all of this information and average into a 150-950 point scale. My 796 doesn’t hold up too well, says its only the 61th percentile. Except when I pulled my credit score last year with one of the agencies it had me at 804, which is around 90-95th percentile. Nothing has changed in the past year regarding my credit – two credit cards that I keep low balances on and pay off every month, and never had debt, so I’m not sure why my score according to creditkarma would be much lower.

[sd_bear]

Their FAQ says credit scores range from 150-950… when you go to the details of your score it says the following:

* FICO: traditionally between 300 and 850.
* Experian: 330 – 850
* Equifax: 300 – 800
* TransUnion: 150 – 950
* VantageScore: 501 – 990 ( letter grade, A-F )

So they probably pull all of this information and average into a 150-950 point scale. My 796 doesn’t hold up too well, says its only the 61th percentile. Except when I pulled my credit score last year with one of the agencies it had me at 804, which is around 90-95th percentile. Nothing has changed in the past year regarding my credit – two credit cards that I keep low balances on and pay off every month, and never had debt, so I’m not sure why my score according to creditkarma would be much lower.

[sd_bear]

Their FAQ says credit scores range from 150-950… when you go to the details of your score it says the following:

* FICO: traditionally between 300 and 850.
* Experian: 330 – 850
* Equifax: 300 – 800
* TransUnion: 150 – 950
* VantageScore: 501 – 990 ( letter grade, A-F )

So they probably pull all of this information and average into a 150-950 point scale. My 796 doesn’t hold up too well, says its only the 61th percentile. Except when I pulled my credit score last year with one of the agencies it had me at 804, which is around 90-95th percentile. Nothing has changed in the past year regarding my credit – two credit cards that I keep low balances on and pay off every month, and never had debt, so I’m not sure why my score according to creditkarma would be much lower.

[sd_bear]

Their FAQ says credit scores range from 150-950… when you go to the details of your score it says the following:

* FICO: traditionally between 300 and 850.
* Experian: 330 – 850
* Equifax: 300 – 800
* TransUnion: 150 – 950
* VantageScore: 501 – 990 ( letter grade, A-F )

So they probably pull all of this information and average into a 150-950 point scale. My 796 doesn’t hold up too well, says its only the 61th percentile. Except when I pulled my credit score last year with one of the agencies it had me at 804, which is around 90-95th percentile. Nothing has changed in the past year regarding my credit – two credit cards that I keep low balances on and pay off every month, and never had debt, so I’m not sure why my score according to creditkarma would be much lower.

[SDEngineer]

“Don’t these “free” credit reports appear as a credit check which can cause your score to drop?”

It shouldn’t. Only credit checks which are for the purpose of extending credit are (or should) be marked as a “hard inquiry” on your report.

For example, if you go to rent an apartment, the apartment management company will generally pull your credit, however, this check should not show up on your report (and if it does, you can dispute it and get it deleted), as it was for a purpose other than extending credit to the person. Same goes for pre-employment credit screenings.

[SDEngineer]

“Don’t these “free” credit reports appear as a credit check which can cause your score to drop?”

It shouldn’t. Only credit checks which are for the purpose of extending credit are (or should) be marked as a “hard inquiry” on your report.

For example, if you go to rent an apartment, the apartment management company will generally pull your credit, however, this check should not show up on your report (and if it does, you can dispute it and get it deleted), as it was for a purpose other than extending credit to the person. Same goes for pre-employment credit screenings.

[SDEngineer]

“Don’t these “free” credit reports appear as a credit check which can cause your score to drop?”

It shouldn’t. Only credit checks which are for the purpose of extending credit are (or should) be marked as a “hard inquiry” on your report.

For example, if you go to rent an apartment, the apartment management company will generally pull your credit, however, this check should not show up on your report (and if it does, you can dispute it and get it deleted), as it was for a purpose other than extending credit to the person. Same goes for pre-employment credit screenings.

[SDEngineer]

“Don’t these “free” credit reports appear as a credit check which can cause your score to drop?”

It shouldn’t. Only credit checks which are for the purpose of extending credit are (or should) be marked as a “hard inquiry” on your report.

For example, if you go to rent an apartment, the apartment management company will generally pull your credit, however, this check should not show up on your report (and if it does, you can dispute it and get it deleted), as it was for a purpose other than extending credit to the person. Same goes for pre-employment credit screenings.

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