What are the credit bureaus to know what your credit score is and which one is the correct one?

All 3 credit bureaus use different credit scoring models. Many lenders utilize the middle credit score. Some lenders use a specific credit score for qualifying borrowers. There is not one correct one as they are all calculated differently. Not all creditors report to all 3 credit bureaus and this is one reason for the different scores as well. Read the credit blog below for more information on credit and credit scoring

What are the credit bureaus to know what your credit score is and which one is the correct one?

All three of them. different creditors use different ones.

What are the credit bureaus to know what your credit score is and which one is the correct one?

The US Government has mandated that the three major credit bureaus offer the service to everyone in the United States once each year. The name of this site is www.annualcreditreport.com.

Since it is government mandated it requires a whole host of hoops to jump through. You do not actually get your credit scores, and it can take 7-10 days to receive the information. All in all not very consumer friendly. Guess that is what happens when a big company is required to do something they do not want to do.

Here is how I got my Credit Report and Score from all 3 bureaus for free.

I went to http://faqfaq.net/FreeCreditReport.html and signed up for their service.

It took like 3 minutes! They give you 7 Days for Free to try the service.

So I just canceled the next day after printing out everything I needed.

Easy and Free.