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29, 2007), "The VantageScore is now the default score sold to consumers by Experian free credit score free credit report Laredo and TransUnion, either through their Web sites or via annualcreditreport.com." (That is not true. The score at Experian.com is the PLUS.) A blogger (and his posters) describes the lunacy in "The Confusing World Of Credit Scores And Some Pointers For Getting FICO Scores For Cheap," where free credit score free credit report Laredo he writes, "I don’t know why they are making it so complicated for the common man." Research for this topic via first-hand experience is limited to once every 12 months, so contribute to the collective knowledge. check free credit score In a November 28, 2005 account of a person's experience, BusinessWeek reports, "When you request a free credit report, each bureau will offer to calculate a credit score for $6.95. Experian and TransUnion use proprietary formulas; Equifax uses FICO scores." free credit score free credit report Laredo The Consumer Federation of America/Fair Isaac pamphlet "YOUR CREDIT SCORES" describes the annualcreditreport.com credit scores by their respective scales: FICO score via Equifax: 300850 Experian score: 330830 [that's the PLUS score, not a FICO] TransUnion score: 150934 [the TransUnion Score, not free credit score free credit report Laredo a FICO] The date on that document is 2005. online free credit check In a November 30, 2004 story, a writer at the San Francisco Chronicle reported, "For $5, Experian offers its own Plus credit score." Summit Credit Union in Madison created an extremely instructive and detailed document on March 4, 2005.

They made screenshots of the annualcreditreport.com ordering process. See the TransUnion disclaimer on page 19: "Note: Our Credit Score may not use the same credit scoring model used by a lender when making a lending decision." That's their way of saying that the score is not a FICO. Another way that they say it is on page 21, where the scale of the score is delineated as 400-925. credit report card