http://www.mortgagenewsdaily.com/8142007_Free_Annual_Credit_Report.aspIt has been a long time since we mentioned the government mandated site at which consumers can obtain one free credit report a year from each of the three major credit bureaus. We have received a lot of comments and complaints from readers who have runenCommunityServer 2008 SP2 (Build: 31106.96)http://www.mortgagenewsdaily.com/8142007_Free_Annual_Credit_Report.asp#8602Wed, 29 Aug 2007 11:00:00 GMT2bb7a989-b681-446d-a7f2-bd5f0562f228:8602Colin DaymudeRe: Shannon. What you said makes no sense. I&#39;m not saying that Vantage is not a better more consistent score (because I actually think it is), I am saying that Lenders don&#39;t use it so it is useless to a consumer. And the bueaus are using deceptive practices selling Vantage through annualcreditreport.com and not explaining what consumers are getting. Of the 1000&#39;s of lenders my company, Espleez works with NONE of them use Vantage. If you have proof otherwise I would like to see it. <div style="clear:both;"></div><img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=8602" width="1" height="1">http://www.mortgagenewsdaily.com/8142007_Free_Annual_Credit_Report.asp#8603Wed, 22 Aug 2007 11:00:00 GMT2bb7a989-b681-446d-a7f2-bd5f0562f228:8603Christopher CruiseShannon: What lenders use the Vantage Score? Mortgage lenders? I haven&#39;t heard of one.<div style="clear:both;"></div><img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=8603" width="1" height="1">http://www.mortgagenewsdaily.com/8142007_Free_Annual_Credit_Report.asp#8609Mon, 20 Aug 2007 11:00:00 GMT2bb7a989-b681-446d-a7f2-bd5f0562f228:8609ShannonRe: Colin Daymude: which FICO score? That&#39;s the problem, FICO has so many inconsistent scores that mish mash up the data as to be virtually meaningless. Also, many lenders are switching to VantageScore. Your advice is kind of like saying people should not get a car because the old school lenders still ride a horse and buggy. <div style="clear:both;"></div><img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=8609" width="1" height="1">http://www.mortgagenewsdaily.com/8142007_Free_Annual_Credit_Report.asp#8607Tue, 14 Aug 2007 11:00:00 GMT2bb7a989-b681-446d-a7f2-bd5f0562f228:8607chrisThe bureaus also sell our personal information to third party lenders when ever our credit is pulled by a lending institution. This private information is sold as a &quot;Trigger lead&quot; to other lenders at an enormous gain for the bureaus. They make money selling our private information with out our approval. how wrong is that and where is our representation?<div style="clear:both;"></div><img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=8607" width="1" height="1">http://www.mortgagenewsdaily.com/8142007_Free_Annual_Credit_Report.asp#8606Tue, 14 Aug 2007 11:00:00 GMT2bb7a989-b681-446d-a7f2-bd5f0562f228:8606colin daymudePeople should NOT pay for their Vantage score through any of the Bureaus or annualcreditreport.com because that is NOT what lenders use to determind creditworthiness. They use FICO. Vantage may be a more consistent model but until lenders start using it, they are just misleading consumers. Colin Daymude, Credit Expert and National Mortgage Speaker and Trainer www.espleez.com <div style="clear:both;"></div><img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=8606" width="1" height="1">