Friday, October 22, 2010
Experian charged $7.95 for a Vantage score (max 990) Equifax charged for a FICO score (max 850). Trans Union offered a free Vantage score for a one week trial, followed by a $14.95 subscription for monitoring,
Trans Union also offered an identity theft risk assessment, where low 200’s was low risk.
Only Equifax specifically offered a line on public records (none) this time, as far as I could see. It would be important to make sure there were no default judgments against oneself, which could happen because of identity theft.
Monday, October 04, 2010
I don’t know if this oversight will affect my credit scores, but I found an article by Don Taylor on Bankrate ("Ask Dr. Don") about the issue, (website url) here. Actually, what we call FICO is FICO with Experian (aka TRW/Chilton), Beacon with Equifax (aka CBI), and Emperica with Trans Union.
Taylor also discusses whether inquiries can affect your score. It does seem as though I dodged the bullet, this time.