Looks like there are about 60 providers in my application software, I only use a couple of them. Shoot me an email if you want more info.
Thanks for the question. There are 3 reporting agencies, Transunion, Equifax and Experian.
Each uses 175 criteria to grade or assess you. Experian is by far the most USED agency when credit is obtained, but it is also the most stringent with scoring which pleases lenders of all credit categories.
With mortgages, lenders use ALL 3, then they throw out the highest and lowest and accept the middle score as the final score.
I hope this is useful, please contact me direct with any further questions.
Are you trying to apply for mortgage loan or are you trying to know what your FICO scores are? If you wanted to know what your FICO scores are, you can go to http://www.freecreditreport.com and get it from there. It is free; however, it won't tell you 3 credit scores like lenders uses. If you want to know your middle score, you probably will have to pay for the report.
I hope I have answer your question. In the mean time, if you are in the market or know someone wants to buy/sell, please visit my website at the below.
NOTE: The credit report that you obtain on your own is of no use for anything other than your personal knowledge. Those obtained by the banks are much more detailed and you have no control of how the bank uses them.
if you are looking for finaning to buy a home I recommend that you talk with Doug Jones, The owner of Mortgage Magic in San Jose. Doug Jones has over 40 years of experience in this business and will offer you some excellent information with respect to financing the purchase of your home.
You may reach Doug Jones at (408)975-2400
Real Estate Broker/REALTOR
Cell Phone: (408)509-6218
Email Address: email@example.com
If you are asking where the best place to check your own credit, it'd be https://www.annualcreditreport.com/ as you can get your credit report for free and it's directly from those 3 credit reporting agencies I mentioned above - you won't have another website trying to "interpret" (aka "dumb down") the credit reporting agencies data for you.
If you wanted to find out your credit score then http://www.myfico.com/ is the best website as you can get your Equifax & TransUnion FICO scores there, and FICO scores are the types of credit scores that us mortgage lenders pull. Experian no longer allows consumers to get their actual FICO score, so that is why it is unavailable at that website. The credit scores at that website cost money.