Houston Credit Repair expert, Vanessa Perry explains how to get an accurate credit score on the latest Ask Impeccable Episode below.
Many websites advertise “free credit check” or a “free credit report”, these are not accurate scoring systems. Some of these websites are on banking apps, but they are all third party. Many third party consumer sites advertise as a resource to check consumer credit, but their resources are for educational purposes only. They will have a small box that explains that the scores and data may not be accurate. Even the credit bureau websites use a third party scoring system! Credit cards offer third party scoring as well that can be anywhere from 20-200 points off with no rhyme or reason on their scoring simulation. These credit card sites are also only used for educational use and could be considered a fictitious score based on the lack of validity.
How Do I Check My Credit Score?
To properly check your credit score you can get a single score from a credit bureau when you apply for a loan or a credit card. There are a total of three credit bureaus: Transunion, Equifax, and Experian. The only way to get all three scores is through a trimerge credit report. You can only get a trimerge credit report through a mortgage company. Mortgage companies have access to credit reports, but they do cost a fee to process. An individual is not allowed to profit from a credit report. Most mortgage companies take the fee as an expense or have the clients pay for the report. Meanwhile, to pull all three bureaus it is less than $40, but can vary from where they pull from.
Houston Credit Repair
If you have any questions about your credit scores please feel free to contact a reliable credit repair company. Impeccable Credit Services has been in business for almost 17 years. We have helped thousands of people accomplish their goals and achieve Impeccable Credit. Feel free to give us a call to schedule an appointment or for any credit questions you may have at 713-378-1500.