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Author: jrr7 Big gold star, 5000 posts Feste Award Nominee! Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 665  
Subject: Re: Credit Rating Question Date: 8/12/2002 3:40 PM
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"Accurate" in what sense?

Fair, Isaacs (FI) calculates the credit score that matters. Their method is secret and TrueCredit.com certainly doesn't have access to it. They probably have tuned their scores to be similar to FI's scores but there's no guarantee.

And, each lender can modify some aspects of how FI calculates a credit score. What's important to one lender might not be important to another lender.

If you have good credit, it will probably show up on both metrics. Likewise for bad credit. But if you have marginal credit, or if you are trying to qualify for something like a 0% auto loan, don't trust any score other than FI's.

In general, third-party credit report aggregators don't deliver good value for the money.
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