You appear naiive in every sense of the word. Stop getting your info from your "trusted adult" or reddit for that matter. Get your credit report and scores from the only trusted sources: MyFico or Annual Credit Report. Read the government housing websites, or even go over to the forum community on MyFico, which I personally like. If you follow through, you won't need to ask questions like this. Source: 7 months ago

Yeah, we all have 40+ different credit scores. Your CK scores are "legit" in terms that they're accurate VS3 (VantageScore 3.0) it's just that VS3 is rarely used in lending decisions which makes them nearly irrelevant. Fico scores are used the the majority of lending decisions, with Fico 8 being the most commonly used model today. The Fico 9 you are getting is lesser used than Fico 8 since few lenders adopted... Source: almost 1 year ago

When a company does an inquiry without your requesting it, like for a "pre-qualified" offer for a credit card, that's a soft inquiry and it doesn't show as a hard inquiry on your credit report. You can also check your OWN credit like on myfico.com, and that's a soft inquiry. Background checks are also in this category. Source: 12 months ago

You should go to myfico.com for credit help. This subreddit is know for some awful advice lol. Source: 12 months ago

Go sign up for an account on myfico.com or experian.com to see what your actual FICO scores are. You should also pull your credit report from annualcreditreport.com. Source: about 1 year ago

As mentioned, I am sure that stockdata.org is not legit. Source: over 2 years ago

So then I stumbled upon stockdata.org which advertises commercial use plans as low as $9/month. My guess is it's so cheap because their data is relatively limited? (It doesn't even show bid/ask price, for example.) Then I was reading another company's website, Xignite specifically, which goes to great lengths to explain that not only do you need to pay them, the distributor, but you also need to pay the exchanges,... Source: over 2 years ago