We’ve written many times about the difference between FICO scores and FAKO scores – the ones that the credit bureaus advertise a lot that are not an equal comparison to the score that a lender sees.  So when your actual FICO scores are on sale, we want to make sure you know about it.

They usually cost about $16 each and until March 31st, they are only $11 and change!  Not only do you get your TransUnion and Equifax FICO score, you also get your TransUnion and Equifax credit reports.  AND purchasing these reports and scores does NOT count against your scores because it is a Soft Inquiry.  You can read more about Inquiries here.

When you go to the MyFICO site, click on the top left tab that says ‘FICO Scores and Credit Reports’, then click on the Buy Now tab to the right of FICO Standard.  You will be asked to create an account to get your reports and scores.  Before checkout, it asks for a discount code; put in MyFICOis9 to save 30% off the regular price.

A FICO sale is a great opportunity to monitor your credit to check for errors and signs of identity theft.  When you find an error on one of your reports, send in correction requests to all three credit bureaus.  This article has tips on how to dispute inaccurate items on your credit. 

Remember that our credit consulting services are available to anyone in the U.S. or Canada.  We can provide your Credit Check-up using your latest FICO credit report with a complete analysis and your personal credit building plan starting at only $100.  Contact us today to get yours.

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Simply click here and get the code at the right side of the page.   Then go to FICO Standard under the orange MyFICO Products on the right side to get your Equifax and TransUnion complete credit report and your actual FICO score for about $12 each. 

Remember, FICO scores are the ones most lenders use and spending your money on any other type of score does not give you an equal comparison to what your lender is going to see.

If you want your third credit report, we recommend going to www.annualcreditreport.com to get the no-cost report you are entitled to each year.  At this time, consumers cannot get an Experian FICO score so you may want to save your money.  Earlier this year, Experian pulled out of their agreement with MyFICO to provide consumer access to their Experian FICO score.  So, you can save 25% on two of your three scores and have a good picture of where your credit rating is at this time.

Be sure to go over your reports carefully to look for errors or inaccuracies that may have a detrimental affect on your credit rating.  This article has credit report dispute tips for your reference.

When you are ready for your professional Credit Check-Up, contact us.  For as little as $100, you’ll receive information on what you can do to improve all five parts of your credit score based on your personal credit report.  A little credit education can go a long way toward helping you reach your financial goals.

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We recommend that everyone check their credit reports regularly to look for errors.  If you are considering a major purchase or refinance, it is a good idea to check your FICO scores, too.  Remember, about 90% of lenders use the FICO scoring formula so don't spend your money on those other scores that are so heavily advertised all over the place.

You will be able to log in and review your reports for 30 days.  We suggest that you print them out so you can make any notations on it of things that need corrected.  Click here for more info on how to correct credit report errors.

Click here to go to their site.  Look for the "FICO Standard" link on the right side of the page, under the myFICO Products" in the orange lettering.  When you're ready to check out, use the code FICOMAY20 to get each of your FICO scores for $12.76, saving you more than $3 on each of them.

If you find any errors, send the correction letters to all three credit bureaus, even though you only found it on one or two of the reports.  This covers you if it is on all three reports, and it provides you with an updated report from Experian when they reply to your letter.

If you are ready for a Credit Analysis, contact us after you get your new reports.  For only $100, you'll receive information and easy-to-follow strategies for each part of your credit score to help your credit rating grow.

WHY CHECK YOUR SCORES?
With the growing importance of credit scores for most financial decisions in our lives, you should check your own scores before you start the loan or account application process.  You can do a preliminary inquiry with the lender to find out what the minimum FICO scores are that they require for approval.  If yours do not meet the minimum, you can save time and Inquiry points by waiting to apply until your credit reports are corrected and you have taken steps to build your credit.

WHY FICO SCORES?
Not all credit scores are created equal.  Most lenders in the U.S. use the FICO formula so purchasing any other scores does not usually give an apples-to-apples comparison with what your lender will see.  Although the consumer credit scores developed by the credit bureaus to compete with FICO scores are heavily advertised, they are NOT the same.

HOW TO GET THE SALE PRICE
Under Links on the upper, right-hand side of this screen, click on the third link, “FICO Scores/Reports”.  Click on the “FICO Credit Complete” on the top, right side of the screen for all three reports and scores.  During checkout, you’ll be asked for a discount code.  Enter FICO2009 to save 20% off your purchase.  You can create a username and password to go back for 30 days to review and print your reports.

If you want help understanding your reports and what you can do to build your credit, contact us for your Credit Check Up that includes your personal Credit Building Plan with strategies to grow your credit and get better credit scores.

Go to www.myfico.com, click on the Products tab, and look for the FICO Credit Complete.  The discount code to use at checkout is “Summer20″.  You will be able to log in and view your reports for the thirty days after you purchase them. 

FICO scores are the scores actually used by most lenders in the U.S.  Most of the scores advertised on television and the radio are “consumer credit scores”, developed by the credit bureaus to compete with the FICO score.  They rarely are the same as your FICO score so if you want to see what your lender is going to see when they check your credit, these FICO scores are the closest you can get.

NOTE: Checking your own credit report and purchasing your own scores does NOT count against your score.  It will show up on your report as an Inquiry, but is not included in the scoring formula. 

Our in-depth credit analysis provides you with the information you need to optimize your credit scores, continue to grow your good credit and protect yourself against identity theft.  And you can get it right now for only $100.   Just fax or email a copy to us today.