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Yay, My Credit Score Is Pretty Decent Now

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Yay, my credit score is trash right now! That's what happens when you dig a hole for yourself starting with college.
 
eits said:
transunion and equifax use the fico model of scoring. i went to the fico homepage and i'd have to pay for the to give me my transunion and equifax scores. why pay for numbers i already have?
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They may use a FICO "model" but it isn't a true FICO score. FICO keeps a lock on it for a reason, it makes them a shit ton of money. You don't need to pay for it. The only time I would even consider paying for it is when you getting ready to make a large purchase to see where you stand.
 
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