{"id":266,"date":"2022-09-04T14:42:47","date_gmt":"2022-09-04T14:42:47","guid":{"rendered":"https:\/\/iamfacingforeclosure.com\/2022\/09\/04\/i-am-facing-foreclosure-com-my-true-credit-score-fico-score\/"},"modified":"2022-09-04T18:41:48","modified_gmt":"2022-09-04T18:41:48","slug":"my-true-credit-score-fico-score","status":"publish","type":"post","link":"https:\/\/iamfacingforeclosure.com\/my-true-credit-score-fico-score\/","title":{"rendered":"My True Credit Score \/ FICO Score"},"content":{"rendered":"
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I listened to you guys from last post on my credit score<\/a> and tried a couple of other credit score services: MyFico.com<\/a> and Experian.com<\/a>. <\/p>\n

I think TrueCredit.com<\/a> service I used to look up my credit score before is either inaccurate or lagging. They are definitely not living up to their name. The three credit scores are way too high<\/a> considering that I am in foreclosure and delinquent on most of my accounts. So I cancelled the service, saving me $9.95\/mo. <\/p>\n

I like these guys better. The first one, MyFico.com<\/a> gave me my Equifax<\/a> score. The second is my Experian<\/a> score. I took advantage of the free trial, though you can pay a little extra and see all three scores. This is a much more realistic credit score picture: <\/p>\n

\"Myfico<\/a><\/p>\n

\"Experian<\/a><\/p>\n

All this FICO score and credit score can be confusing. It was helpful for me to learn more about FICO score here<\/a> and read up Wikipedia’s Credit Score<\/a> article.<\/p>\n

I’m still confused. There are so many different scoring models and methods, its mind boggling. It’s amazing how we all call it a “FICO” score but there are different results based on weather a consumer is pulling their credit score versus a mortgage brokers, etc. I’m still trying to make sense of this whole credit score \/ FICO score mess. <\/p>\n

By the way, your comments on the last post about my high credit score<\/a> have been helpful. Thanks!<\/p>\n

Update:<\/strong> I remembered that my Washington Mutual (formally Providian) credit card gives me a free TransUnion<\/a> score and even has a cool little chart. Check it out:<\/p>\n

\"Transunion<\/a><\/p>\n

So my three scores are: Equifax 459, Experian 514, TransUnion 490. I wonder if things can get any worse… <\/p>\n

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Filed under credit score \/ fico<\/a>, photos<\/a>, sweet media<\/a>, finances \/ income<\/a><\/p>\n<\/p><\/div>\n

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Finances Out of Control<\/a><\/div>\n
I am Thankful for Facing Foreclosure<\/a><\/div>\n<\/p><\/div>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

I listened to you guys from last post on my credit score and tried a couple of other credit score services: MyFico.com and Experian.com. I think TrueCredit.com service I used to look up my credit score before is either inaccurate or lagging. They are definitely not living up to their name. The three credit scores […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[5,13,14,29,27],"tags":[],"_links":{"self":[{"href":"https:\/\/iamfacingforeclosure.com\/wp-json\/wp\/v2\/posts\/266"}],"collection":[{"href":"https:\/\/iamfacingforeclosure.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iamfacingforeclosure.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iamfacingforeclosure.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/iamfacingforeclosure.com\/wp-json\/wp\/v2\/comments?post=266"}],"version-history":[{"count":1,"href":"https:\/\/iamfacingforeclosure.com\/wp-json\/wp\/v2\/posts\/266\/revisions"}],"predecessor-version":[{"id":628,"href":"https:\/\/iamfacingforeclosure.com\/wp-json\/wp\/v2\/posts\/266\/revisions\/628"}],"wp:attachment":[{"href":"https:\/\/iamfacingforeclosure.com\/wp-json\/wp\/v2\/media?parent=266"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iamfacingforeclosure.com\/wp-json\/wp\/v2\/categories?post=266"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iamfacingforeclosure.com\/wp-json\/wp\/v2\/tags?post=266"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}