how do I get my credit score?

Asked by Holly Brown, Philadelphia County, PA Fri Nov 23, 2012

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Shane Milne, Mortgage Broker Or Lender, South Jordan, UT
Fri Nov 23, 2012
Hi Holly,

There is no "official" website for consumers to get their credit scores at. You will find various websites like,, etc. that will sell you a credit score. But none of them are the "official" credit score that all creditors will use. The reason why? Is that because each type of creditor (credit card, car loan, mortgage loan) uses a distinct credit scoring system that gives more or less weight to the various items on your credit report. For example a car loan creditor will give more weight to your past car payment history than they will give to credit card payment history.

I suspect you are inquiring about your credit score to qualify for a mortgage. If so, then you will want to check your credit scores using a website that uses the scoring models that mortgage lenders use - called "FICO scores". Experian, TransUnion and Equifax are all credit reporting agencies that will generate a FICO score for a mortgage lender to check... however TransUnion & Equifax are the only two that will allow a consumer to get their own FICO score, Experian no longer allows consumers to do so (as consumers aren't credit reporting agencies customers, the creditors are). The website provides FICO scores from Equifax & TransUnion, so when a potential client of mine wants to find out their credit scores ahead of me checking them, that is the only website I recommend, because that is the only website that will provide FICO scores. For your Experian FICO score, which as a consumer you cannot get, I recommend you compare to credit report data from your Experian credit report to your TransUnion & Equifax reports from that same website so you can gauge what it'll likely be. is the official website for you to get your credit report data (but the credit scores from that website are not FICO scores, so do not rely on them/expect them to be what a mortgage lender checks).

Hope you've found this information helpful.

Shane Milne | Lending in all 50 states | NMLS #81195
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You are welcome, I'm glad it helped. Thank you for choosing mine as "Best Answer" as well.
Flag Sat Nov 24, 2012
....thank you so much, very well written and explained!
Flag Fri Nov 23, 2012
Sheri Curci, Agent, Newtown, PA
Fri Nov 23, 2012
Good Evening Holly,

Please keep in mind that the generic credit scores that you pay for on web site credit reports are NOT as detailed or useful when it comes to getting approved for a home loan.

Feel free to give us a call for a confidential talk?

All the Best, John + Sheri Curci 215-757-2889
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Irina Karan, Agent, Aventura, FL
Fri Nov 23, 2012
Hello Holly,

Please read this info
on the only credit reporting site that once a year gives you a free report - however,
the actual score is a separate charge. Each credit agency will produce a different report.
There are three bureaus (agencies) total.

Mortgage companies usually use the middle score, so it makes sense to run all three reports.

Hope this helps,

Irina Karan
Beachfront Realty, Inc.
0 votes
Philip J. Cu…, Agent, Feasterville, PA
Fri Nov 23, 2012
It depends why and what information your looking for no all credit reports are the same if yo8u just want to check your cr5edit report you can ge5t a free one every year from each of the credit reporting agency call me and I'll explane hoe to do it any why you should. @15-725-5700 X49

Philip J. Cunningham Sr
V.I.P. Realty Corporation
7942 Bustleton Ave
Philadelphia,PA 19152
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