Are you wondering which source you should use to pull clients’ credit report/scores?

It really depends on what’s the goal of your client.

Are they seeking to purchase a home? MyFICO.com is the best source for this goal. Most of the analysis will be done for you to optimize your score or to determine problems. Actually MyFICO offers your real score.

Are they seeking to purchase a car? Credit Karma, Privacy Guard will work perfectly for this goal. May car dealership uses TransUnion for obtaining a credit report. However, keep in mind that there are multiple type of scoring models and Credit Karma use both TransUnion and Equifax while Privacy Guard is an Experian product. Some credit companies swear that their scores are closer to tri-merge reports.

Are they seeking to obtain an apartment Lease? Experian is the best source for this goal. Why? most background companies use Experian to obtain this information. 580 is usually the minimum score that the average apartment will except but prefer 600 or more. The are some apartments managers will accept scores lower than 580 as long as you don’t have an eviction against you.

Sources to obtain Credit Reports Online For clients: One can sign up for monitoring for $1 and cancel membership before the next payment is due.

What we recommend: MyFICO because it has been proven to be better in our opinion of your actual score.

• MyFico.com
• http://www.truecredit.com
• https://www.annualcreditreport.com (FREE)
• CreditKarma.com
• https://www.privacyguard.com
• http://www.experian.com/consumer-products/experian-equifax-transunion-credit-report-and-score.html  (3 bureau credit reports)
• https://www.creditchecktotal.com/