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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
Experian - Your credit report, FICO Score, and more. All free.
Setu - Setu’s APIs and software is used by hundreds of businesses from startups to large enterprises to reimagine onboarding, payments, deposits, lending and data empowerment for their end customers.We’re hiring across the board!
Anytime Collect - Anytime Collect is an automated accounts receivable credit and collections software.
Surepass.io - End-to-End user OnBoarding & Digital Identity Verification solutions for Enterprises | Digital KYC | Background Verification | Banking
YayPay - YayPay is AI to accelerate cash flow and automate accounts receivables.
TransUnion - Transunion offers total credit protection all in one place from credit alerts, credit reports, and credit scores