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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I have done credit underwriting for a living for 15 years.  I have analyzed probably close to 100,000 credit reports.  A few notes:

1. I love credit karma.  It does provide a Trans Union score every quarter for you (you have to log on an click update).  They will have free promos etc (which is how they make their $), but you can opt out.

2. The free annual credit report site will give you one free report with each 3 bureaus but no score. There is no credit score and fico score as a PP indicated.  There is a PLUS score, Vantage score, and FICO score.  Vantage is fairly new and is the result of the three bureaus working together to create model.

[b]3. In my 15 years of credit, I have not seen one person under 35 (even under 42 is rare) to have all three fico scores in the 800s.  Even if a parent added you as authorized user, one would have to have a combination of revolving and installment debt for 10-15+ years to get into the 820s.[/b]

4. Many years ago, credit agencies stopped allowing piggyback credit (being added as user of credit card to help with your credit) being factored into your personal score.  The account may still be on your report, but the influence is no longer allowed.

5. Credit agencies (TU, Experian and Equifax) do not have to disclose their calculati[/quote]

I love Credit Karma. 
Have you used Credit Sesame?? [/quote]

I'm 40 and my scores are currently in the 830s+ for all credit bureaus.  They were 780-800 when I bought my house at age 30.  That is despite only having 5 years of US credit history at that point.[/quote]

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