Beacon Scores, FICO Scores, Credirian/Fair, Isaac Risk Score, and TransUnion calls it an Empirica score. Many people in the lending business just call them FICO (rhymes with "psycho") scores. - Empirica credit score is a TransUnion credit bureau score. - Beacon Score credit score is an Equifax credit bureau score. - Fair Isaac/FICO Score is an Experian (formerly TRW) credit bureau score. Do you need all 3 scores? The short story is yes you do! In todays business market, looking at all three of your FICO scores and credit reports is something you must do! Why? You may ask.Each of your creditent Each of the three national bur

Beacon Scores, FICO Scores, Credirian/Fair, Isaac Risk Score, and TransUnion calls it an Empirica score. Many people in the lending business just call them FICO (rhymes with "psycho") scores. - Empirica credit score is a TransUnion credit bureau score. - Beacon Score credit score is an Equifax credit bureau score. - Fair Isaac/FICO Score is an Experian (formerly TRW) credit bureau score.

Do you need all 3 scores? The short story is yes you do! In todays business market, looking at all three of your FICO scores and credit reports is something you must do! Why? You may ask.Each of your creditent Each of the three national bureaus may have different data on you - and you won't know it until you check. Each of your FICO credit scores may be different If your credit reports each contain different information, you may have three different FICO scores. These are the important scores that lenders use to judge you and your risk as a borrower. Lenders may look at all three of your FICO scores Lenders, especially mortgage lenders, may look at all three of your FICO scores to determine whether to give you a loan or grant credit - for everything from a car loan to a home loan to a credit card to a cell phone. Don't want any last minute surprises.

You need to protect against ID Theft

Your first sign of a stolen identify may come from the information in each of your credit reports, including lines of credit that you did not open and home addresses that are not yours. You need to regularly look at all three credit reports and FICO scores to rest assured that your credit and your identity are safe.

Top 5 Killers of Beacon scores are: