best credit report websites
best credit report websites
How Accurate Are These Credit Report Websites?
I’ve recently applied to get a business start up loan and the company (Noble Financial) said my score was “0″ and I know my score is “705″ from checking with “Freecreditreport.com (Experian)” and I’ve made all my master credit card payments on time and in full and had nothing on my report that would lower it. My history is only five months, but I know my score can’t be “0″.
I have never used one of the credit report websites as I never wanted to pay for the service. Depending on your state, you can actually check your credit report from each of the 3 credit reporting agencies through annualcreditreport.com and it’s for free (again, depending on your state). I’ve never heard of a “0″ score, but it is estimated that 75% of all credit reports have errors on them, so it is very important to keep a close eye on it and attempt to correct the errors (it’s a nightmare!). They may not be giving you a true fico score, maybe they are giving you a score that they have formulated. I would certainly check directly with Experian and have them send you your report and score if they provide it.
