Quote:
Originally Posted by noppenbd
From what I understand, disneysteve is correct. The Fair Isaac company that created the FICO score owns the rights to it and I think they are the only ones who can give you the "FICO score". However, all the credit bureaus have created their own "credit scores" which are not the same as the true FICO.
Also, have you considered freezing your credit? It costs at most $10 per bureau (less depending on your state, e.g Maryland residents pay $5 per) and prevents anyone from opening new accounts in your name (credit, loan, cell phone, cable/satellite). It is a bit of a pain if you do have to open a new account/credit card, but you can temporarily thaw the bureau that is going to be used for a $10 fee. Seems like a cheaper deal than paying $7.50 a month. Let me know if you want more info, I can provide links to put the freeze in place.
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Please post the links. For $30 (is that one time or per year?) it seems worth the cost.
Would this cause problems if I opened a new investment or brokerage account, or only credit accounts?