I recently used AnnualCreditReport.com to obtain yearly reports for myself and my wife. One of the Big 3 (I cant remember which) offered a credit score along with the free report for $5, and I bought a score for my wife. Her score was 912. We are confused by this...FICO cuts off at 850 if I remember, so I assume this is a new method of calculation of scores, at least by that Bureau. Their range apparently runs up to 1000 for "perfect credit" score. Can you shed any light on this? Are you aware of any change in score calculation methodology, either across the board, or by any of the Big 3? What would a score of 912 equate to per the standard FICO formula?
Social Circle, GA