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Originally Posted by PornFlake
Our state just opened up for the free credit report at annualcreditreport.com On Jun 1 so I decided to get one. Anyways, I looked at my credit score, and I thought I had a pretty good score until I saw it was out of 925. That put me in the fair to good category. This shocked the shit out of me because I've ordered credit scores before, and it was on a scale with a maximum of around 820.
This score was from TransUnion. What gives? Does each agency report scores differently?
*edit* I just read the first page and Alan thinks the max score is around 852 which is much closer to what I thought. My credit looks golden on that scale. I'm still confused as to why they're different.
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Sorry it took so long to respond. In this thread I used the FICO score which is the most widely used. Each bureau in fact actually has it's own score and scale, but the most commonly used was FICO, which is Experians. Now even Experian is moving towards a new scoring system called the New National Risk Score which is 0-1000 with 0 being the best. The benefits of the system are that new credit isn't instantly considered bad credit as well as a couple of late payments won't throw your whole score off by that much. But a lot of companies are opposed to it and will take some time to come around. When I am at work again I can grab the scales and let you know what all of them are.