A freeze and a lock both keep new lenders out of your file. The difference is the fine print: one is a federal right with deadlines and no fees, the other is a product governed by a company's terms. Here's what each blocks and how to pick.
If anything in a credit report played a part in turning an applicant down, asking for a co-signer or charging a bigger deposit, the FCRA says you owe them a notice. It's one page, and here's exactly what goes on it.
Your credit report is the record. Your credit score is one model's verdict on that record. Here's what's in each, why they disagree so often, and which one matters for the decision in front of you.
FICO Score 4 is the TransUnion version of the Classic FICO scores mortgage lenders use. Most people have never seen theirs, and it can sit a long way from the number their app shows.
One phone number goes in. A name, a current address, phone details and a real FICO Score 4 come out. Here's what happens in the ten seconds between, and what the results actually mean.
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Name, current address and real FICO® Score 4 from TransUnion data. Results in seconds. As low as $9.99.
