I thought I was okay…

I was a guarantor for an apartment for my niece. The minimum credit score required was 700. No problem I thought because my score on Transunion’s site was 720 or so. Embarrassed to find that it was not a Fico score and my actual scores were much lower. The bad: could not guarantee for her. The good: motivated me to get real Fico scores, understand them and rebuild my credit. The best: after a couple of years TU Fico 08 was 798!