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Q&A with John: What is the Credit Score that I Received?

John Ulzheimer
Wednesday, 20 Feb 2008 | 9:05 AM ET
John Ulzheimer
John Ulzheimer

ByJohn Ulzheimer

Question: I have a simple question. I received my credit score from TransUnion. It said My credit score is 857 Grand B. I thought the credit score only went to 850. What is the score I received? Is it good or bad.

Bob


Answer: Hi Bob, I get that question all the time, seriously. The problem is that both TransUnion and Experian sell scores to consumers that aren't your real FICO® credit scores. If you read the fine print you'll see that what you have there is your TransRisk score, which is quite useless. If you ever watch Suze Orman you may have heard her refer to "FAKO" scores. Well, that's what that is. The range of the TransRisk score is broader than the 300-850 used by FICO, which is the answer for the confusing 857.