Comments on: The Importance of Different Credit Scores http://www.stopbuyingcrap.com/credit-related/importance-of-different-credit-scores/ Over Five Years of Personal Finance, Consumer Spending, Crazy Products and Boring Blog Posts. Good grief. Sat, 11 Feb 2012 21:36:21 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Jessie http://www.stopbuyingcrap.com/credit-related/importance-of-different-credit-scores/comment-page-1/#comment-16031 Jessie Wed, 06 Dec 2006 16:27:59 +0000 http://www.stopbuyingcrap.com/2005/07/07/importance-of-different-credit-scores/#comment-16031 I had to learn this whole process when I purchased my first house. It is indeed quite complicated when you are just starting to understand credit. I would be great it they could consolidate it a bit. Also, thanks for a post to creditpull, I have been looking for something like that. I had to learn this whole process when I purchased my first house. It is indeed quite complicated when you are just starting to understand credit. I would be great it they could consolidate it a bit.

Also, thanks for a post to creditpull, I have been looking for something like that.

]]> By: Cap http://www.stopbuyingcrap.com/credit-related/importance-of-different-credit-scores/comment-page-1/#comment-85 Cap Sun, 28 Aug 2005 10:30:59 +0000 http://www.stopbuyingcrap.com/2005/07/07/importance-of-different-credit-scores/#comment-85 that is where it gets complicated and confusing for most people. a lot of times when you go to your lender, they pull out a score that's different than the FICO score you just pulled momentarily. sometimes they may get the score from different source, or there are adjusted formula for the particular financing you're trying to get (e.g. auto loan or mortgage loan). as far as I know, the service of Truecredit.com (from Transunion) isn't a real FICO score, the credit score most lenders use. thanks for mentioning though. unfortunately credit scoring is too complicated for its own good. that is where it gets complicated and confusing for most people.

a lot of times when you go to your lender, they pull out a score that’s different than the FICO score you just pulled momentarily. sometimes they may get the score from different source, or there are adjusted formula for the particular financing you’re trying to get (e.g. auto loan or mortgage loan).

as far as I know, the service of Truecredit.com (from Transunion) isn’t a real FICO score, the credit score most lenders use.

thanks for mentioning though. unfortunately credit scoring is too complicated for its own good.

]]> By: Shawn http://www.stopbuyingcrap.com/credit-related/importance-of-different-credit-scores/comment-page-1/#comment-83 Shawn Sat, 27 Aug 2005 16:51:37 +0000 http://www.stopbuyingcrap.com/2005/07/07/importance-of-different-credit-scores/#comment-83 I am in the process of getting a mortgage and before I applied, signed up with MYFICO for scorewatch, my three bureau reports and scores. It may be worth a mention to your readers that when the mortgage company pulled the numbers, their scores showed up as less than what MYFICO showed by about 29 points across the board. I repulled to check what had changed, and nothing had - scores and report were the same. When I pull thru TRUECREDIT, their scores are also different from the FICO scores. So depending on what agency they are pulled from, there could be a significant difference in scoring. I am in the process of getting a mortgage and before I applied, signed up with MYFICO for scorewatch, my three bureau reports and scores. It may be worth a mention to your readers that when the mortgage company pulled the numbers, their scores showed up as less than what MYFICO showed by about 29 points across the board. I repulled to check what had changed, and nothing had – scores and report were the same. When I pull thru TRUECREDIT, their scores are also different from the FICO scores. So depending on what agency they are pulled from, there could be a significant difference in scoring.

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