Complaint Review: Trans Union - Experian

I purchased individual credit reports from the 3 major credit reporting agencies and made additional purchases for my credit scores, so that I may review my credit to see if my score is high enough to qualify for a loan. I spok with my loan company to determine what scores were needed before applying. After receiving my scores I learned that I could qualify for one of the programs at my loan company. After filling out the application I was told that my scores were much lower and that I did notqualify for the loan that I was hoping to get.

I was told that my scores were close to 60 to 80 points off from the scores that I purchased from the credit reporting agency. When I contacted one of the agencies, They could not give me a good reason as to why there was such a big difference in the scores and that the scores are not the same as what lending agencies receive. I felt it was a waste of my money because getting my score from the reporting agency was totally inaccurate and I am still in the dark as to where I stand as a credit risk with lending agencies.

I asked for a refund for my purchase of my credit score and was told that I could not get it. I felt totally Ripped off because what is the point of buying credit scores and other products from the credit reporting agencies if they are selling inaccurate information that is useless and not the same information that lending companies obtain.

Karl
P{hiladelphia, Pennsylvania
U.S.A.