Can creditors still report on an account discharged in bankruptcy?

[free2breathe]

however, in your case..i should say...from the piggy's mouth?? (U MADE me to that!! ) LOL!!

You're on a roll today, tobee ;)

[tobee43]

You're on a roll today, tobee ;)

LOL!!! must be that coffee!! just movin along...

[backtoschool]

I'm in the process of researching this. So far all I see is that you have to join their programs to get the score, and then they may not be the same score as a lender would get.

"The bottom line is that each bureau supplies one version of your credit score to lenders and a separate version to consumers. Equifax provides you with a Score Power score and lenders get a BEACON score. Experian has the PLUS Score for consumers and Experian/Fair Isaac Risk Model score for lenders. TransUnion offers a TransRisk New Account Credit Score that differs from the Classic FICO Risk Score. TransUnion’s fine print states that “the credit score provided here is not a so-called FICO score.” It is buried within a lengthy disclosure about its products. All three have similar disclosures that explain that their consumer product scores are not actual credit scores." from http://www.stopccdebt.com/Not_Actual_Credit_Scores.htm

The only time I ever saw my "actual" scores was when we applied for our home loan. I had a friend who worked for the mortgage broker and she gave me a copy.

If you go on the myfico.com website you can get fico scores for equifax and transunion and they will be very similar to what creditors will see (except if they use an auto specific model for an auto loan). Experian no longer provides consumer fico scores. They have a competing score but it is useless.