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can I purchase my fico score only |
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Date:
May 6, 2007, 6:44 am |
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can I purchase my fico score only |
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Answer:
It is necessary for every cardholder to distinguish between a credit report and a credit score. The report contains all the information about your credit history, and the score is only the three-digit number, based on the contents of report. According to the laws everyone has a right to get a free report from each of the three national credit bureaus once every 12 months. However you can't get your score free of charge. FACTA says you can get your score at a “reasonable” fee, which in fact is quite a vague definition. The answer to your question depends mainly on where you live and where do you get your score. For example, laws of California and Colorado allow you to buy your score without purchasing a report. You can also purchase the educational scores produced by the credit bureaus as a stand-alone product. But mind, that the score alone has less value as it is just a number, that can change quickly because it depends largely on the information in report. That's why it is recommended to obtain the score together with the report, in order to check the latter for mistakes and misleading items, correct any inaccuracies and be able to apply for the best credit cards. |
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