The Master Where Can I Get My FICO Score Mega Thread

[Steven85]

Signed up for the M&T checking account for there Equifax score watch.... Does anyone know what day of month they update?

[inthematrix]

so where can we get a real fico score for experian?

You can always apply for an AmEx card, and hope you get an Experian score.

 

Or any other issuer, like Chase, that pulls Experian.

 

Or, join PSECU or Visions CU

Visions Credit Union offers EX FICO?

[whoo hoo]

Anyone have any experience with InTouch (www.itcu.org) credit union's AlertMe program? As per this link:

 

https://www.itcu.org...support/alertme

 

one can opt for their "Optional online access to credit bureau reports and scores." It looks like they're working with Experian but I'm not sure what sort of scores they mean. I tried calling but the person who answered "wasn't trained" so he apparently didn't know which scores would be provided. I'll try calling again tomorrow in hopes of getting someone more knowledgeable. If this pans out, it could be a good alternative to getting Experian FICO (hopefully) scores.

[BobWang]

My PSECU Experian FICO is 823, Credit Sesame is 826.

 

Capn12 says is AmEx Experian FICO is only 2 points lower than Credit Sesame's.

 

It would be interesting to see if other people's Experian FICOs are also close to Credit Sesame's score.

 

http://www.creditsesame.com/

 

My Credit Sesame is 767 and my PSECU FICO is 768. On another forum, a person posted who works for Credit Sesame and indicated that they use Experian's "National Equivalency Score".

If InTouch also uses the "National Equivalency Score", it's going to be pretty close for clean reports

[BobWang]

Equifax

 

Equifax5.0 FICO score:

http://www.equifax.c...yfico-products/

 

Digital FCU Equifax5.0 FICO score:

https://www.dcu.org/...e_checking.html

 

M&T Bank Equifax5.0 FICO :score

https://www.mtb.com/...edit-score.aspx

 

myFICO Equifax5.0 and TransUnion98 FICO scores:

http://www.myfico.co...s/Products.aspx

 

 

Experian

 

PSECU Experian FICO score:

https://www.psecu.com/fico/

 

Visions FCU MAY get Experian FICO when applying for loan products:

https://www.visionsfcu.org/

 

Credit Sesame "National Equivalency Score" is a FAKO, but close for clean reports

http://www.creditsesame.com/

 

 

TransUnion

 

myFICO Equifax5.0 and TransUnion98 FICO scores:

http://www.myfico.co...s/Products.aspx

 

Partners 1st Federal Credit Union TransUnion FICO

http://www.partners1...reditscore.html

 

Sears HSBC (NOT Citi) MasterCard TransUnion98 FICO (Only for bad credit applicants):

http://consumerist.c...annual-fee.html

 

Walmart GEMB Discover & Store Card TransUnion FICO:

http://www.walmart.c...it-Cards/632402

 

 

GET DENIED FOR CREDIT

[BobWang]

Credit Sesame: 787

 

No idea how to get EX FICO - Help would be appreciated.

[RGB]

Bob, how close is Credit Sesame to FICO? My sesame is 629 and my USAA FAKO is 574.

[BobWang]

Bob, how close is Credit Sesame to FICO? My sesame is 629 and my USAA FAKO is 574.

The CS FAKO is the only FAKO that is remotely close to my general FICO score.

 

CS does not take into account Public Records, and may not factor in other baddies as much as FICO does.

[BobWang]

[dixonge]

Well rats - tried the WalMart card and got denied LOL

 

I don't think I'm doing this right...

[BobWang]

My last attempt to point you in the right direction:

 

http://www.myfico.co...s/Products.aspx

 

It looks like that I have to buy one, right? Or am I overlooking the free ones?

Get denied for credit

[BobWang]

There's a 10-day free trial in the middle of the page.

 

FREE means DCU, PSECU or Walmart.

 

 

What other sites that would be similar to FICO for an credit report with official score that would be 100% free? Free meaning no online payments. I would just create a free account, and do all of the steps, and verification.

You're asking something which has been asked hundreds if not thousands of times before.

 

There's a reason this is a "sticky"

[breeze]

There is no free FICO score.

[BobWang]

Credit Sesame is looking better and better:

 

[BobWang]

[BobWang]

 

[BobWang]

n=38, r=0.786

 

 

n=74, r=0.811

[JWBurns]

Hey Bob, Does this data help with your other thread in monitoring scores?

 

USAA CCMP:

 

Ex: 632 Eq:664 Tu: 632

 

MyFICO:

 

Eq: 698 Tu:690

 

Both reports pulled just now.

 

Which of the two are the more accurate?

[BobWang]

Hey Bob, Does this data help with your other thread in monitoring scores?

 

USAA CCMP:

 

Ex: 632 Eq:664 Tu: 632

 

MyFICO:

 

Eq: 698 Tu:690

 

Both reports pulled just now.

 

Which of the two are the more accurate?

JW:

myFICO's Equifax is the only accurate score.

myFICO TransUnion uses an obsolete algorithm.

USAA scores are FAKOs.

 

The reason I mention Credit Sesame is that that score is pretty close to Experian FICO for many people.

Bob

[JWBurns]

Thanks for your fast reply!

 

One more question,

 

Would the MyFico reports suffice as "hard copy reports" to begin my clean-up? Or should I order directly from all 3 CRA's?

[BobWang]

Thanks for your fast reply!

 

One more question,

 

Would the MyFico reports suffice as "hard copy reports" to begin my clean-up? Or should I order directly from all 3 CRA's?

Not good enough, you need to get accurate hard copies from each CRA.

[JWBurns]

Excellent sir, thanks again

[JWBurns]

As far as daily monitoring goes, I'm trying to decide if it's necessary to keep just one, or both of the USAA / MyFico products.

 

I signed up for the 10 day trial period for MyFico, so I'll need to decide soon.

 

Any thoughts?

[Mo Munny Mo Problems]

What's a 5.0?

 

It's a Ford engine, (302 C.I.).

 

 

Chevy > Ford

[leonard1971]

Can anyone help me raise my score please? i need help bad.

 

Don't try this at home by yourselves, boys and girls.

 

I *AM* a Certified FICO Professional.