Credit.com VS Creditscore.com

But the debt may continue to impact your credit for longer than those seven years because the collections company can also place an item on your credit report. Depending on how the account is handled, whether it’s within the statute of limitations and whether you attempt to negotiate or pay the debt, the item can appear on your credit report for as long as around seven-and-a-half years from the last payment... Source: 12 months ago

I read a lot about ignoring the Vantage scores provided by Creditkarma and while I'm satisfied with my Experian Fico 8 score, I got a trial membership on credit.com to see all the other Fico scores. Source: about 1 year ago

Just requested the credit.com people to remove it and also disputed on Transunion systems, hoping that it gets removed soon. Should not be affecting me negatively then, right? Source: about 1 year ago

So if I understand correctly, FICO 2/4/5 are used for mortgages. I then tired to dig deep into my report and got a free weekly trial from credit.com to see all other FICO scores. From 3 bureaus. And as per credit.com, my credit age and account mix ratings are either C or C- category (across all 3 bureaus). All other factors have either A or A+ (if that matters). Source: about 1 year ago

I opened an account on credit.com, like you said, and canceled immediately. Credit.com shows my FICO 9 score as 668. It also shows that I have 2 negative records. They are both the same collection that I mentioned in my original post (2 different bureaus). Source: about 1 year ago

You can get an Experian Fico 8 score for free at Experian.com or creditscore.com and you can get your Equifax Fico 8 score for free at MyFico.com. That's what I would recommend starting. Source: about 1 year ago

Any tips on how I should go about that? I found websites like creditscore.com but don't know how reliable they are. Also I assume the score would just be a number. In that case how would I know if the possible collection is affecting it and how would I resolve this issue. Thanks. Source: about 1 year ago

If you don't have a source to get a Fico score, you can grab one from creditscore.com - that is your Experian Fico Score 8, a highly relevant score used frequently in lending. Source: about 1 year ago

You have 30+ different Fico scores. Some are more widely used than others. You can go to creditscore.com to grab a free Experian Fico 8 score, one of the more commonly used ones. Fico scores are used in 90% of lending decisions, so the chances of you finding someone that uses VS3 is pretty rare almost never happens with credit cards. Credit card companies often provide a free VS3 on your account since it's... Source: about 1 year ago

Be aware that you have some 30+ different Fico scores, not just one. One free source of one (Experian Fico 8) is from creditscore.com. As for how your Fico scores will compare to your VS3s, they can be all over the place. I've seen some people with Fico scores 100 points lower than VS3s, others with VS3s 100 points lower than Fico scores. It's also possible to have a 100+ point variance between Fico scores, as... Source: over 1 year ago