What You Should KNow Before Ordering Your
Credit Reports and Scores Online
1. NOT ALL CREDIT SCORES ARE ALIKE!
90% of the largest U.S. Banks use the FICO Score. Online companies delivering the FICO Scores with their credit reports will proudly state so, the others hide the fact that they are not using the FICO Scores deep within the fine print. If it doesn't say FICO Score, you are being MISLEAD! Unlike PCS, MOST online consumer credit companies do not offer the FICO score and are delivering a simulated score with their credit reports.2. SIMULATED SCORES CAN VARY AS MUCH AS 100 POINTS!
Imaging thinking your credit score was much higher than it is only to be declined for a loan, credit card or insurance because you didn't know your true FICO Score. It happens everyday! Stay clear of simulated credit scores!3. FREE ISN'T ALWAYS FREE!
Many websites offer FREE credit reports as a method to lure customers in. In order to get your FREE credit report however, you are required to give your credit card number and enroll in a monthly monitoring program. Read the fine print carefully before enrolling in a FREE offer. In addition, your FREE credit report in most cases will not include your true FICO score so it is worthless. If you want to see just your credit report, Federal Law mandates that every consumer is entitled to a free credit report once a year. You can go to Annual Credit Report.com to obtain your free credit reports. Here you will be charged for your scores. Note that only one of the three is actually a real score produced by FICO. We recommend that you not order your scores to avoid confusion. Bottom-line... Nothing is ever really FREE!4. WHY ORDER ALL THREE CREDIT REPORTS AND FICO SCORES?
Most lenders and financial institutions look for your middle score. When you purchase your credit reports with only one credit score, you are not getting the whole picture. In addition, most providers will give you all three credit reports and one simulated credit score. Only with all three FICO Scores will you learn where your true middle score is and what you can qualify for.5. WILL THIS INQUIRY AFFECT MY FICO SCORES?
When you order your credit reports with PCS, a soft inquiry will be placed. This inquiry will be identifiable to you only and WILL NOT affect your FICO Scores at all.ORDER YOUR CREDIT REPORT NOW!
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