Equifax Credit Report Reviews: Comprehensive Guide to Top Banks Pulling Equifax Data

Here is a useful blog post in the tone of Bev O'Shea about getting your real Equifax credit file:

Your True Equifax Credit Score: Where to Find It

As a credit expert, I often get asked where people can access their real Equifax credit score. Many are surprised to learn that the score they see on Equifax's website is not their true FICO score, but rather a Vantage Score. Here's what you need to know to get your authentic Equifax FICO 8 score:

Where to Find Your Equifax FICO 8 Score

myFICO: This is the best place to get your real Equifax FICO 8 score. myFICO provides 28 data points and multiple scoring models. Discover: Discover will give you your Equifax FICO 8 score, even if you're not a Discover customer. This can be a helpful option. Citi Bank: Citi Bank is another source for your Equifax FICO 8 score.

Boosting Your Credit with a Secured Card

If you have bad credit, here's a strategy to help improve it: - Sign up for a secured credit card with Discover - Put down a $200-$250 security deposit - Only use 10% of your credit limit each month - After 6 months, the card may become unsecured and your limit could double

Beware of Vantage Scores

When you check your score on Equifax.com, you're actually seeing a Vantage Score, not your true FICO score. This is an important distinction to understand. By knowing where to find your authentic Equifax FICO 8 score and using smart credit-building tactics, you can take control of your credit profile. Let me know if you have any other questions!

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