Archive for July 2010

Credit score fluctuating from 668 to 645 to 659 (Experian) in just 1 month. Is this normal?

C o n f u c i a n asked: ….Or does the score vary on which company retrieves the score? For example, on 11/10 I found out my 3 scores through a Transunion service. Experian score was 668. Then on 12/10 I signed up for a credit monitoring service (free trial) with Bank of [...]

How necessary are services like Privacy Guard?

burn_to_blue asked: Should people subscribe to credit monitoring and fraud protecion services? Or are such companies just capitalizing on paranoia?Darryl

How can I find out my credit score I would get if applying for a mortgage vs. my FICO?

thatblissguy asked: I know that the calculations used by lenders for a mortgage differ from Fair Isaac (FICO). I have TrueCredit (by TransUnion) triple credit monitoring which gives me unlimited access to all three of my credit reports (TransUnion, Equifax, and Experian) AND my FICO scores. I am preparing myself for a refinance and I [...]

How quickly do credit scores change and do the scores vary if a mortgage lender pulls them?

nirvanas_love_01 asked: a couple weeks ago My husband and i pulled a trimerge at our mortgage lender. My husbands scores were 592 618 644. Today I enrolled in credit monitoring and his scores were 611 627 628. How accurate are these scores if the lender would pul them again? DO the scores vary depending on [...]