Get your real FICO credit score

Have you ever wondered where to get your real FICO credit score? Did you even know there is a difference in scores that are provided on-line? Each of the 3 credit bureaus base their scoring model from Fair Isaacs FICO score model. So essentially you would think you are getting your real fico score. Unfortunately that is not the case. There is only one bureau that actually gives you your true FICO score, the rest of the bureaus give a credit score using there version of the FICO score model developed by Fair Isaac.

Experian
Experian uses a proprietary scoring model that is called “PLUS Score” model which was developed by them in early 2004. This particular score model is based on the FICO score model.

TransUnion
TransUnion sells the TrueCredit score. They don’t use the FICO score, so when you pull your credit report with TransUnion you will get there version of your credit score.

Equifax
Equifax partnered with Fair Isaac and now offers your true FICO score. This credit score is the credit score actually used by most lenders. If you are interested in getting your Equifax credit report with your true FICO score, also called Score Power, go to www.creditscorequick.com/equifax123

If you are wanted to know all 3 of your credit scores, you can get a 3-1 credit report at CreditScoreQuick.com. Until recently you did not even have access to your credit report, now with your score being so important and the ability to access it quickly on-line you have nothing to loose, and much to gain by keeping on top of your free credit score report. Remember not all credit reports are created equal.

In order to get your credit scores you will have to purchase them, you may also get a free trial. So while the free trial is taking place, you can print out your free credit score report, and call back to cancel once your credit report has been printed out.

We hope this was not too confusing, because I know it can be. The fact is lenders look at your credit scores regardless of what score model the credit bureaus use. They typically pull from all 3 CRA’s to determine your credit health. So if lenders look at all 3 scores, you should do the same.

Get your real free fico score report today!!

About the Author: Mike Clover is the owner of http://www.creditscorequick.com/. CreditScoreQuick.com is the one of the most unique on-line resources for free credit score report, fico score, free credit check, identity theft protection, secured credit cards, student credit cards , credit cards, mortgage loans, auto loans, insurance and a BlOG with a wealth of personal credit information. The information within this website is written by professionals that know about credit, and what determines ones credit worthiness.