need a fico score?? what sight do the business go to to pull it??

Question

trying to locate a sight to get my credit score. how and what do the companys pull my credit score with what service they use..like if i'm getting a car ! how do they see my credit score. trying to do the same help please.....

Answer 1

Creditors get scores either directly from the credit reporting agencies if they are members, or from 3rd party companies that supply tri-merge credit files at a fee. The score they pull may differ somewhat from the score you would get from the credit reporting agencies, as their system may use a different version. For example, Equifax sells the Beacon 5.0 score, but if the dealership you are shopping with uses a different scoring model, they may have their own "preferences" factored in as well, such as emphasis on past automobile loans.
There really is no way to get the exact score that a business would get, because the score changes as information changes on your credit file, sometimes from day to day. I use the Equifax ScoreWatch to monitor my score and credit file, so I know what my score is all the time with Equifax, since they are the most widely used by creditors.

Answer 2

The standard is the FICO score. Go to myFico.com to get your credit score from all 3 credit bureaus. Lenders have their own programs, but it's pretty much the same as what you will get on that site. In fact, when I got my house last year and the mortgage lender pulled my credit, the scored he pulled matched the one I pulled just days earlier - EXACTLY. It's that accurate.