What credit sites actually show real scores?
August 22, 2014 1:44 PM Subscribe
I need to find out my updated credit scores. I've already used up my once a year free inquiry back in April. I've used sites like credit.com and creditkarma but their scores are "modeled" scores and not the real thing. Where can I get accurate reporting on score numbers from the Big 3 bureaus?
posted by caveatz to Work & Money (7 answers total) 9 users marked this as a favorite
Even going directly to a credit bureau site like Experian, I am warned that the score/report I am trying to purchase is "Calculated on the PLUS Score model, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders."
I want to know my score because I paid off major delinquent accounts 2-3 months ago and would like to know how they are reflected in my scores from the 3 major bureaus. But I want to do this without the hard pull of a credit check at the bank. I'm willing to pay $20 to $40 for the service. But I'm baffled by all the web sites out there selling scores that are not accurate.
I'm interested to hear what others have done in my situation. Thanks.