How to Order Your 3 Bureau Smart Credit Report

LSI is Washington’s No.1 Choice for Credit Repair & Debt Settlements

Our Reviews

At LSI Credit Solutions, we use the 3 Bureau Smart Credit Report to determine the best plan of action for our clients. The Smart Credit Report will display your credit score with TransUnion, Experian, and Equifax without a hard inquiry on your history.

Smart Credit will also show your:

  • Auto Score (auto lenders use to better determine your lending risk)
  • Insurance Score (most insurance companies use this score when looking at your credit and determine your rates)
  • Hiring Risk Index (used by 49% of employers in the United States)

Get a full detailed 3 Bureaus report WITHOUT a hard inquiry, and send it TO our advisors to review!

What’s the Difference Between a Hard & Soft Inquiry?

credit inquiry is a request to see your credit report. Credit scoring systems can consider whether you have applied for credit recently by looking at inquiries on your credit report. Sometimes applying for a lot of credit in a short amount of time can have a negative effect on a credit score; however, not every inquiry is counted towards credit scoring.  Inquiries fall into two categories: hard and soft.


Hard inquiries are typically inquiries by lenders after you apply for credit such as an auto loan, personal loan or credit card. Lenders and other third parties can see hard inquiries on your credit report. If you get a lot of these inquiries it may have a negative impact on your credit score because credit scoring models can look at how recently and how frequently you apply for credit. Most people seem to believe hard inquiries stay and hurt your scores for a long time. The truth is, after about 90-120 days, the negative impact on you scores from those inquiries is almost minimal.


Soft inquiries are reviews of your credit report that do not impact or change your credit score. They are only visible to you and do not appear on credit reports pulled by lenders, employers or other third parties.  Soft inquiries include inquiries by lenders who are monitoring an existing account, looking at credit reports to make “pre-screened” credit offers or using credit reports to pre-qualify individuals for credit offers.

We recommend avoiding any unnecessary hard inquiries and direct our clients to Smart Credit to obtain the most accurate, up to date 3-bureau credit report that will show how the automotive scores, insurance score and even your hiring risk score. 

smart credit washington

What’s the Difference Between  Vantage & Fico Scores?


  1. The Scoring Models Are Different


FICO bases its credit scoring models on credit reports belonging to millions of anonymous consumers obtained separately from each of the three CRAs. They then build a separate model for each CRA based on that agency’s data. FICO scores range from 300 to 850, with higher scores indicating lower risk.

Vantage, on the other hand, develops its credit scoring models using a combined set of consumer credit files from the three CRAs to come up with a single formula for use by all three. Vantage scores also range from 300 – 850. Just like FICO, higher scores equating to lower risk.


  1. Credit Scoring Requirements Differ


While many of the differences between the two makes of credit score are minor, some of the bare minimum requirements needed to create a score differ substantially between FICO and Vantage Score, with FICO requiring at least six months of history and at least one account reported in the past six months, and Vantage only requiring one month of history and an account reported to the CRA within the past two years. As a result, Vantage is able to score millions more consumers, which is good news for those new to credit or who have not been using credit recently.


  1. Late Payments Are Not Created Equal


One difference between the two models, however, is that while FICO treats all late payments — regardless of the type of account — similarly, Vantage Score “penalizes” late mortgage payments more than it does other types of credit.


  1. How Inquiries Are Counted Can Differ


While hard credit inquiries impact both Vantage and FICO scores only minimally — especially when compared with other, more serious, scoring factors — each scoring model offers consumers a benefit not provided by the other when multiple inquiries appear on a credit report for a single type of credit transaction.

While both treat multiple inquiries posted within a focused period of time as a single inquiry, they differ in their “deduplication” methods, as:


  • FICO uses a 45-day span, while Vantage uses 14 days.
  • Vantage applies this special treatment across all types of credit (cards, autos, etc.), while FICO only applies it to mortgage, auto and student loans.


Again, inquiries don’t have a major scoring impact, but when a score is just a couple of points lower than it needs to be to qualify for a mortgage, understanding the ways in which multiple inquiries are counted can be important.


  1. Low-Balance Collections May Affect One and Not the Other


When it comes to scoring third-party collection agency items on a credit report, Vantage Score ignores paid collection accounts, but most lenders if your qualifying for a home loan may require all recent verified collections to be paid.