I like this app. However, if you apply for a loan, car loan, or mortgage expect your credit score to be at least 50-70 points lower. I was lucky enough for mine to be over 100 points lower than this site, and all the other sites. (trans., equif , tran, c. sesame, etc...) I have been rebuilding my credit and this is exactly what I have learned. it's a shame we can't pull and access on reports that lenders do regularly and fairly to be able to truly fix all issues. (annual rpt. excluded)