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When you are applying for a mortgage to buy a home, lenders will typically look at all of your credit history reports from the three major credit bureaus ? Experian, Equifax, and TransUnion. In most cases, mortgage lenders will look at your FICO score. There are different FICO scoring models.
If you have a document that you would like to submit to substantiate a dispute regarding the information on your personal credit report, you can mail it to Experian's National Consumer Assistance Center at P.O. Box 4500, Allen, TX 75013, or upload your document at experian.com/upload to submit it online.
If you want to freeze your credit, you need to do it at each of the three major credit bureaus: Equifax (1-800-349-9960) TransUnion (1-888-909-8872) Experian (1-888-397-3742) .
A very poor credit score is in the range of 300 ? 600, with 601 ? 660 considered to be poor. A score of 661 ? 720 is fair. And an excellent score is in the range of 781 ? 850.
The primary credit scoring models are FICO® and VantageScore®, and both are equally accurate. Although both are accurate, most lenders are looking at your FICO score when you apply for a loan.
Neither your TransUnion or Equifax score is more or less accurate than the other. They're just calculated from slightly differing sources. Your Equifax credit score is likely lower due to reporting differences. Nonetheless, a ?fair? score from TransUnion is typically ?fair? across the board.
The Bottom Line You are entitled by law to freeze your credit reports anytime, for free. To do so, you must request a security freeze at each of the national credit bureaus individually. Freezing your credit limits criminals' ability to open loans and credit card accounts in your name.
When you are applying for a mortgage to buy a home, lenders will typically look at all of your credit history reports from the three major credit bureaus ? Experian, Equifax, and TransUnion. In most cases, mortgage lenders will look at your FICO score. There are different FICO scoring models.
To freeze your credit, you have to contact each of the three credit bureaus individually. Placing a credit freeze is free for you and your children, as is lifting it when applying for new credit.
No credit score from any one of the credit bureaus is more valuable or more accurate than another. It's possible that a lender may gravitate toward one score over another, but that doesn't necessarily mean that score is better.