In the United States, a credit score is a number based on a statistical analysis of a person's credit files, that in theory represents the creditworthiness of that person, which is the likelihood that the person will pay their bills. A credit score is primarily based on credit report information, typically from one of the three major credit bureaus: Experian, TransUnion, and Equifax. Income is not considered by the major credit bureaus when calculating a credit score.
In the United States, a credit score is a number based on a statistical analysis of a person's credit files, that in theory represents the creditworthiness of that person, which is the likelihood that the person will pay their bills. A credit score is primarily based on credit report information, typically from one of the three major credit bureaus: Experian, TransUnion, and Equifax. Income is not considered by the major credit bureaus when calculating a credit score.
To clarify and expand, your FICO scores are physically produced by the credit bureaus/ CRA's, but the CRA's use the FICO score formulas to create them. The CRA's also have their home-grown FAKO scores, using different formulas.
So if you go through myFICO (or a very few other paths), you will receive FICO scores. If you go directly through TU and EX, you will get their FAKO's. If you go directly through EQ, and you only get your EQ score, it is a FICO, but if you opt for their triple score report, the scores will be FAKO's. (I try really hard not to think about this last one too much!)
myFICO doesn't maintain any credit information. It's the consumer portal to get your FICO scores from the bureaus. The info that shows up on your myFICO reports is what the credit bureaus have on you. The info, run through the FICO formulas, results in your FICO scores.
Generally speaking, there is only 1 FICO score [well, there are 3 different FICOs for each CRA, but am driving a point], and this is the only site in the world that offers all three together. TC doesn't offer a FICO score. Experian doesn't offer one. TransUnion doesn't offer one. Freecreditreport.com and all of their annoying jingles doesn't offer FICO scores. CreditKeeper, Credit Secure, CreditKarma, VantageScore, EX Plus and many many others do not offer FICO scores. Ah, but EQ does, but they are the only CRA that offers a FICO (via agreement with FI). Ignore all of these other scores. These are not real scores. MyFICO is the only place to get all three FICO scores together in one place. The only score that matters is a FICO. Mortgage lenders and others don't use all the other ones sold out there. TU created a monitoring product called TC (TrueCredit). Those are not FICO scores, but FAKOs, or fake scores. TC and all the others listed above try their best to compete with the FICO score. But they cannot because lenders don't use them, however, they figured that it is a cash cow, so they promote it. They never said that they are offering you a FICO score. They just offered a score, but unrelated to FICO. Ignore those scores. But use the reports; it has the same info as you'd find on all 3 CRAs. No, they aren't subject to a lawsuit because they never said that they would provide you with a FICO score. It is up to us consumers to get educated on what's real and what's not. We often make a bad assumption that any score we see must be a FICO. Again, ignore TC scores. These are not real scores. The only place to get all three FICO scores together is through myFICO. If you ever see a credit score again, look in the fine print. Look for the word "FICO" in the context that the score being offered is a FICO score. You can also get your FICO score from transunioncs.com for TU, from EQ directly if you order the report too, and one or two other sources. But this is the only site to get all 3 FICO scores together. And I get your frustration. There are many a post like yours. Many hear the term "credit score" and assume that it is a FICO score. I was guilty of this too. I made the same assumption too when I first started repair.
我觉得那个人讲得我糊涂了,既然他说只有一个FICO SCORE,那为什么又说MyFICO is the only place to get all three FICO scores together in one place. 难道说你在TRANUNION和EXPERIAN网站上查到的不是他家真正的分数?谁看懂了啊?
以下是引用daka在2009-8-3 18:03:00的发言: 我觉得那个人讲得我糊涂了,既然他说只有一个FICO SCORE,那为什么又说MyFICO is the only place to get all three FICO scores together in one place. 难道说你在TRANUNION和EXPERIAN网站上查到的不是他家真正的分数?谁看懂了啊?
以下是引用daka在2009-8-3 18:03:00的发言: 我觉得那个人讲得我糊涂了,既然他说只有一个FICO SCORE,那为什么又说MyFICO is the only place to get all three FICO scores together in one place. 难道说你在TRANUNION和EXPERIAN网站上查到的不是他家真正的分数?谁看懂了啊? 不懂。但是我当时打工的时候,买房申请人的cretit report是3个分数取中间大那个。
冰狗,我说的不是针对你或者那个学校校长。只是这个差别让我觉得不爽国内的民族歧视政策,我可能还是比较狭隘,不喜欢这样子的。
我没看懂啥意思啊,那个地方不就是在藏区么...你是说他们歧视人还是啥
MBA就没几个能不自费的。除了很top得学校和某些EMBA看经验之外,其实一般学校的MBA(比如我们学校
那读了干啥呢...
倒。。。鹅你在uiuc。。。
她不在.......
我是想说,part1你居然觉得简单。你太牛了。一周就搞定。我这刚看了4个chapter,课后练习都错得多。太久没看书了。
我是才毕业的啊,你课程放下的时间长了,开始觉得有点生疏很正常的。慢慢就好了,你应用的时间长,很容易pick up的。
距离都差不多 普度去芝加哥也是2个半小时的样子 不过香槟那里有3条高速经过 这点比普度强
欧昨天去了down state,离uiuc 80迈滴地方。。。。南边现在highway新扩建的狠牛
叫他去学finance算了,好歹还算门技术。
山东蓝翔..........
我那天碰到一个人 说想念mba,为啥呢,说想看懂公司报表,公司发布的消息都要仔细琢磨一下......一副颇为公司打算的样子
我心说,看懂了也没用
那看来所有做股票的都要去念个mba才行了
欧昨天去了down state,离uiuc 80迈滴地方。。。。南边现在highway新扩建的狠牛
这是啥米地方?
欧昨天去了down state,离uiuc 80迈滴地方。。。。南边现在highway新扩建的狠牛
我昨天路过IL和IN。
倒。。。鹅你在uiuc。。。
谣言奏是这么产生的。。。
我昨天路过IL和IN。
没停下溜达溜达?
那读了干啥呢...
工作。。。
你们都欺负人,还是旻最好
山东蓝翔..........
我要是去了山东蓝翔 学会了剪发 那就好了..........
咱也开家沙龙 charge死贵 预约没人也说满了 拍2星期
我要是去了山东蓝翔 学会了剪发 那就好了..........
咱也开家沙龙 charge死贵 预约没人也说满了 拍2星期
我就后悔当时木上个技校啥的,念这么多书有啥用啊,连自己都养活不了。。。
这是啥米地方?
bourbonnais....偶家大熊队每年在那里summer camp....欧在车上还狠天真滴想小冷家该是狠近了。。。给kp了下才知道是方向反了
我要是去了山东蓝翔 学会了剪发 那就好了..........
咱也开家沙龙 charge死贵 预约没人也说满了 拍2星期
我觉得现在学门技术还挺好的,我公公说他们学校有时派他去招生,他还跟人说,大学和职业培训都是途径,如果娃读书啥的不行还可以选择学个技术,实用
我这还有个姑娘是自费来的,但是我总觉得本科出来自费读MBA,除了家里很能,感觉没啥用阿...
我觉得人家怎么养 我不知道真实情况不说
但是1 那个奖绝对是糊弄人的 什么千里跳一阿
2. 这个姑娘....... 长的太老了... 象40多的
我觉得人家怎么养 我不知道真实情况不说
但是1 那个奖绝对是糊弄人的 什么千里跳一阿
2. 这个姑娘....... 长的太老了... 象40多的
在印大溜达了一下,因为有同学在哪里。我们没走芝加哥,直接就下来了。
74转55?
我没看懂啥意思啊,那个地方不就是在藏区么...你是说他们歧视人还是啥
没啥,就是有点个人情绪
藏语老师比别的工资高太多。我不知道当地的消费水平如何,1500月工资的老师不是我愿意资助的学校。
我觉得现在学门技术还挺好的,我公公说他们学校有时派他去招生,他还跟人说,大学和职业培训都是途径,如果娃读书啥的不行还可以选择学个技术,实用
深圳 车工月薪过万阿
没停下溜达溜达?
在印大溜达了一下,因为有同学在哪里。我们没走芝加哥,直接就下来了。
你在?还是大熊在?
都不在
你在?
我就后悔当时木上个技校啥的,念这么多书有啥用啊,连自己都养活不了。。。
对啊。看看外面那个不会说英文的都能申请公民了。我。。
她不在.......
你在?还是大熊在?
对啊。看看外面那个不会说英文的都能申请公民了。我。。
公民俺奏8羡慕了,俺的归心狠坚定。。。可是俺想找工作先啊!
没啥,就是有点个人情绪
藏语老师比别的工资高太多。我不知道当地的消费水平如何,1500月工资的老师不是我愿意资助的学校。
哦...我理解的是藏语老师更难请到
其他老师很多都是主动不要工资,自己出钱在那里的
谣言奏是这么产生的。。。
那你们一口一个uiuc。。
我是uiuc的。
那你们一口一个uiuc。。
我是uiuc的。
74转55?
介个。。。8记得了,俺是一路睡过来的,偶尔被GPS吵醒还很愤怒。。。
那你们一口一个uiuc。。
我是uiuc的。
离我不远 哈哈哈
那你们一口一个uiuc。。
我是uiuc的。
哦,俺们在讨论哪里会计比较牛。。。
深圳 车工月薪过万阿
蓝领
对啊。看看外面那个不会说英文的都能申请公民了。我。。
你情何以堪
都不在
你在?
我是真的uiuc的。。不过现在家里蹲中。
哦,俺们在讨论哪里会计比较牛。。。
其实,我觉得...............我觉得没啥用呢
我当年在国内那么破的学校,去四大面了,人家还险些把我给签了
公民俺奏8羡慕了,俺的归心狠坚定。。。可是俺想找工作先啊!
能申请公民,说明人家绿了。我要绿了,也有很多工作可以做啊。我还是恨。
我是真的uiuc的。。不过现在家里蹲中。
3流农村烂校的,同蹲ing。。。
能申请公民,说明人家绿了。我要绿了,也有很多工作可以做啊。我还是恨。
我就想家猪啥时候毕业做颇似到,俺跟着混一个J2,就可以工作了。。。。
哦...我理解的是藏语老师更难请到
其他老师很多都是主动不要工资,自己出钱在那里的
对阿,我就是这个狭隘阿。人家藏族老师都不乐意少收点钱教藏族孩子,为啥我要去帮藏族孩子,何况还有好多学校老师都免费教孩子还上不起学的。
我自pia
我就想家猪啥时候毕业做颇似到,俺跟着混一个J2,就可以工作了。。。。
嫩家猪狠年轻滴说
离我不远 哈哈哈
嫩是哪里阿?
82楼引用的 至于么...
不准笑
大吼一声,有人用过TRUECREDIT.COM查过信用分吗?
木,上次查是两年前了,不记得啥网站了。
[此贴子已经被作者于2009-8-3 17:40:52编辑过]
3流农村烂校的,同蹲ing。。。
抱抱。
嫩家猪狠年轻滴说
年轻啥啊?SWN博士99%5年一定念不完,要念很久的。
嫩是哪里阿?
离欧也满近
不准笑
欧说N个假uiuc引来个真uiuc么。。。。
我要被我老公的那个JP同学恶心死了
那我跟抱着我的鱼宝一起抱抱你好了。。。
我就想家猪啥时候毕业做颇似到,俺跟着混一个J2,就可以工作了。。。。
未来的faculty
未来的faculty
只要不做成千老我就谢天谢地了。
欧说N个假uiuc引来个真uiuc么。。。。
很快就不是了。准备毕业了
年轻啥啊?SWN博士99%5年一定念不完,要念很久的。
白痴问啥叫swn????
白痴问啥叫swn????
生物男,sigh,不知道就证明你的行业还是很有前途滴。。。
我老公不认识这个师妹,JP认识....师妹对JP说你能帮我搬一下家么 JP说 我腿不好 前段时间短了
然后一指我老公说,这个现成的劳力,你为什么不用呢
只要不做成千老我就谢天谢地了。
肯定能找到了,千老也不是人人都能当的。
生物男,sigh,不知道就证明你的行业还是很有前途滴。。。
swn最近难道不是翻身了?多少生物funding阿。。
http://forums.huaren.us/showtopic.aspx?boardid=331&topicid=617746&page=1&star=8
82楼引用的 至于么...
9494. 别说我嫉妒啊,我真没觉得美。
肯定能找到了,千老也不是人人都能当的。
借你吉言吧,唉。
同学们慢聊,我做饭去了。
Myfico有人用过吗?
9494. 别说我嫉妒啊,我真没觉得美。
也就一普通人,不过看着挺有朝气的。我觉得她内老公在阿三里还算长得不错的。
谁?照片link?
http://forums.huaren.us/showtopic.aspx?boardid=331&topicid=617746&page=1&star=8
也就一普通人,不过看着挺有朝气的。我觉得她内老公在阿三里还算长得不错的。
谁?照片LINK?
听说鹅在uiuc?
也就一普通人,不过看着挺有朝气的。我觉得她内老公在阿三里还算长得不错的。
我看到那个漂亮的不如她聪明 聪明的不如她漂亮
华丽理的被雷
别的倒好 一般人拉...
大家都是怎么查自己的信用分数的啊?
Myfico有人用过吗?
In the United States, a credit score is a number based on a statistical analysis of a person's credit files, that in theory represents the creditworthiness of that person, which is the likelihood that the person will pay their bills. A credit score is primarily based on credit report information, typically from one of the three major credit bureaus: Experian, TransUnion, and Equifax. Income is not considered by the major credit bureaus when calculating a credit score.
from wikipedia。我用的是Equifax。
大家都是怎么查自己的信用分数的啊?
Myfico有人用过吗?
不是说每年可以免费查那3家机构吗?我很久没查了。
也就一普通人,不过看着挺有朝气的。我觉得她内老公在阿三里还算长得不错的。
我对阿三更加持保留意见了。
今天猪头跟那个Jp同学一起吃饭 结果遇到了一个师妹 师妹是被公司招进来培训几个月就派回中国的那种
我老公不认识这个师妹,JP认识....师妹对JP说你能帮我搬一下家么 JP说 我腿不好 前段时间短了
然后一指我老公说,这个现成的劳力,你为什么不用呢
够jp的。。。你lg也是好人,都不揭穿他。
俺们真的很近噢。不过我现在蹲在lg这里,在西部。。
听说鹅在uiuc?
帮她辟谣,不是。
大吼一声,有人用过TRUECREDIT.COM查过信用分吗?
有个免费的官方查信用的网站,一年一次。
我要被我老公的那个JP同学恶心死了
讲讲看啊
讲讲看啊
抬头。人家早讲完了
不是说每年可以免费查那3家机构吗?我很久没查了。
那个没有SCORE,只有REPORT
讲讲看啊
前面讲过了
听说鹅在uiuc?
我错啦
帮她辟谣,不是。
抱抱,我发现我走了三天,面包机的电源一直开着。。。
抱抱,我发现我走了三天,面包机的电源一直开着。。。
汗。你去哪里了。
帮她辟谣,不是。
噢
那怎么天天听到说uiuc来着
类似宫爆鸡丁的做法,爆的藕丁和肉
In the United States, a credit score is a number based on a statistical analysis of a person's credit files, that in theory represents the creditworthiness of that person, which is the likelihood that the person will pay their bills. A credit score is primarily based on credit report information, typically from one of the three major credit bureaus: Experian, TransUnion, and Equifax. Income is not considered by the major credit bureaus when calculating a credit score.
from wikipedia。我用的是Equifax。
我前面看到一种说法,说着三家给的都是FAKE SCORE,就是他们自己估计的,不是真正你比如说借钱LENDER用到的SCORE.
To clarify and expand, your FICO scores are physically produced by the
credit bureaus/ CRA's, but the CRA's use the FICO score formulas to
create them. The CRA's also have their home-grown FAKO scores, using
different formulas.
So if you go through myFICO (or a very few
other paths), you will receive FICO scores. If you go directly through
TU and EX, you will get their FAKO's. If you go directly through EQ,
and you only get your EQ score, it is a FICO, but if you opt for their
triple score report, the scores will be FAKO's. (I try really hard not
to think about this last one too much!)
myFICO doesn't maintain
any credit information. It's the consumer portal to get your FICO
scores from the bureaus. The info that shows up on your myFICO reports
is what the credit bureaus have on you. The info, run through the FICO
formulas, results in your FICO scores.
http://ficoforums.myfico.com/fico/board/print?board.id=ficoscoring&message.id=30115&page=1&format=page
前面讲过了
看到了
嫩老公真老实
jp男真恶心,肯定还自以为特潇洒,特会说话。活宝一个
我错啦
呵呵,明白啦,你才是
抱抱,我发现我走了三天,面包机的电源一直开着。。。
面包机电源无所谓吧,只要你不是开着加热
看到了
嫩老公真老实
jp男真恶心,肯定还自以为特潇洒,特会说话。活宝一个
MD 我真想骂人
different FICOs for each CRA, but am driving a point], and this is the
only site in the world that offers all three together. TC doesn't offer
a FICO score. Experian doesn't offer one. TransUnion doesn't offer one.
Freecreditreport.com and all of their annoying jingles doesn't offer
FICO scores. CreditKeeper, Credit Secure, CreditKarma, VantageScore, EX
Plus and many many others do not offer FICO scores. Ah, but EQ does,
but they are the only CRA that offers a FICO (via agreement with FI).
Ignore all of these other scores. These are not real scores. MyFICO is
the only place to get all three FICO scores together in one place. The only score that matters is a FICO. Mortgage lenders and others don't use all the other ones sold out there. TU
created a monitoring product called TC (TrueCredit). Those are not FICO
scores, but FAKOs, or fake scores. TC and all the others listed above
try their best to compete with the FICO score. But they cannot because
lenders don't use them, however, they figured that it is a cash cow, so
they promote it. They never said that they are offering you a FICO
score. They just offered a score, but unrelated to FICO. Ignore those
scores. But use the reports; it has the same info as you'd find on all
3 CRAs. No, they aren't subject to a lawsuit because they
never said that they would provide you with a FICO score. It is up to
us consumers to get educated on what's real and what's not. We often
make a bad assumption that any score we see must be a FICO. Again, ignore TC scores. These are not real scores. The only place to get all three FICO scores together is through myFICO. If
you ever see a credit score again, look in the fine print. Look for the
word "FICO" in the context that the score being offered is a FICO
score. You can also get your FICO score from transunioncs.com for TU,
from EQ directly if you order the report too, and one or two other
sources. But this is the only site to get all 3 FICO scores together. And
I get your frustration. There are many a post like yours. Many hear the
term "credit score" and assume that it is a FICO score. I was guilty of
this too. I made the same assumption too when I first started repair.
MD 我真想骂人
嫩lg太好欺负了,下次出门一定要带着你。
按这种说法,只要看Equifax就可以了是这个意思吧?
你去test drive 她们都要给你查credit的 不查都不谈细节的
the only place to get all three FICO scores together in one place. 难道说你在TRANUNION和EXPERIAN网站上查到的不是他家真正的分数?谁看懂了啊?
我觉得那个人讲得我糊涂了,既然他说只有一个FICO SCORE,那为什么又说MyFICO is the only place to get all three FICO scores together in one place. 难道说你在TRANUNION和EXPERIAN网站上查到的不是他家真正的分数?谁看懂了啊?
我也看不懂
我理解是三家各自有自己的faked score,然后怎么怎么统一为FICO score
我觉得那个人讲得我糊涂了,既然他说只有一个FICO SCORE,那为什么又说MyFICO is the only place to get all three FICO scores together in one place. 难道说你在TRANUNION和EXPERIAN网站上查到的不是他家真正的分数?谁看懂了啊?
不懂。但是我当时打工的时候,买房申请人的cretit report是3个分数取中间大那个。
今天吃了个很好吃的菜...
类似宫爆鸡丁的做法,爆的藕丁和肉
不就是炒藕丁么?
MD 我真想骂人
下次见到他骂死他,tnnd啥jp wsn,最讨厌这种阴阳怪气的
不懂。但是我当时打工的时候,买房申请人的cretit report是3个分数取中间大那个。
哦这样啊