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Three directional arrows on a signpost point left to “Good” in green, straight to “Better” in red, and right to “Best” in blue—much like choosing the right credit score with Equifax.

How to Compare Your Equifax, Experian and TransUnion Credit Reports

If you’ve thought about ordering your free credit report, which credit reporting bureau should you contact? Many people wonder what the difference is between the Equifax, Experian and TransUnion credit reports. Each credit reporting agency uses a different set of criteria and variables to calculate your credit score, and some lenders prefer to use one

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A fruit composed of alternating slices of green apple and orange, stacked to form a single piece, offers a vibrant and refreshing combination—it's the perfect way to plus your score in healthy snacking. FICO Score vs. PLUS Score: What’s the Real Difference?

FICO vs. PLUS Score: What’s the Real Difference and Why It Matters

If you’ve applied for a loan, a credit card, or a mortgage recently, your credit score likely played a pivotal role in the lender’s decision. But did you know there’s more than one type of credit score? Two commonly referenced models—FICO and PLUS Score—serve very different purposes. Understanding the difference between the FICO vs. PLUS

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Book cover titled "Perfect Credit: 7 Steps to a Great Credit Rating" by Lynnette Khalfani-Cox, featuring a smiling photo of the author in a purple dress, embodying the confidence that comes with achieving perfect credit.

What Exactly Is Perfect Credit?

If your FICO credit score falls between 760 and 850 points, you rate among the top tier of all consumers and have the cornerstone for what I call Perfect Credit. Getting a great FICO score, however, is just part of the achievement. Fair Isaac reports that, among consumers with credit scores of 760 or higher, only 1% risk defaulting on a debt. So having Perfect Credit also means being able to access a whole host of products and services—mortgages, automobiles, credit cards, business lines of credit, and personal loans—at the most favorable terms available in the marketplace. Once you snag that impressive credit score, and all the benefits it entails, does having Perfect Credit today mean you’ll have Perfect Credit tomorrow? Unfortunately the answer is “no.”

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