myFICO VS Credit.com

You appear naiive in every sense of the word. Stop getting your info from your "trusted adult" or reddit for that matter. Get your credit report and scores from the only trusted sources: MyFico or Annual Credit Report. Read the government housing websites, or even go over to the forum community on MyFico, which I personally like. If you follow through, you won't need to ask questions like this. Source: 5 months ago

Yeah, we all have 40+ different credit scores. Your CK scores are "legit" in terms that they're accurate VS3 (VantageScore 3.0) it's just that VS3 is rarely used in lending decisions which makes them nearly irrelevant. Fico scores are used the the majority of lending decisions, with Fico 8 being the most commonly used model today. The Fico 9 you are getting is lesser used than Fico 8 since few lenders adopted... Source: 10 months ago

When a company does an inquiry without your requesting it, like for a "pre-qualified" offer for a credit card, that's a soft inquiry and it doesn't show as a hard inquiry on your credit report. You can also check your OWN credit like on myfico.com, and that's a soft inquiry. Background checks are also in this category. Source: 10 months ago

You should go to myfico.com for credit help. This subreddit is know for some awful advice lol. Source: 10 months ago

Go sign up for an account on myfico.com or experian.com to see what your actual FICO scores are. You should also pull your credit report from annualcreditreport.com. Source: 10 months ago

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