The Master Where Can I Get My FICO Score Mega Thread

[mariuszh]

 

Then I guess PSECU requires something besides just a savings account.

It's been a few years now, maybe something has changed where it isn't required now? Kind of like soft pulls for membership.

 

My PSECU membership application is processing as we speak. I applied for only a savings account. I'll let you guys know whether I have access to the FICO. I would imagine I will know this week.

[BobWang]

[mariuszh]

Here is a tidbit from their website:

 

 

Why am I not eligible to enroll in PSECU's FICO® Score Service?

The FICO^® Score Service is available only on accounts on general membership accounts where the primary member is 18 years of age or older with PSECU Checking or a PSECU loan.

Accounts that are ineligible for the FICO Score Service include but are not limited to business, organizational, custodial, living trust, tentative trust, representative payee, guardianship and estate accounts.

FICO is a registered trademark of the Fair Isaac Corporation in the United States and may be a trademark or registered trademark of the Fair Isaac Corporation in other countries. PSECU is not a credit reporting agency. Fair Isaac Corporation is not an affiliate company of PSECU.

[BobWang]

Oh, I guess that settles the Checking Account question.

[ii6665ii]

 

Here is a tidbit from their website:

 

 

Why am I not eligible to enroll in PSECU's FICO® Score Service?

The FICO^® Score Service is available only on accounts on general membership accounts where the primary member is 18 years of age or older with PSECU Checking or a PSECU loan.

Accounts that are ineligible for the FICO Score Service include but are not limited to business, organizational, custodial, living trust, tentative trust, representative payee, guardianship and estate accounts.

FICO is a registered trademark of the Fair Isaac Corporation in the United States and may be a trademark or registered trademark of the Fair Isaac Corporation in other countries. PSECU is not a credit reporting agency. Fair Isaac Corporation is not an affiliate company of PSECU.

 

I wish I had scrolled down to the last page (page 7 as of today) before I applied for just a share account. I hate I wasted an inquiry; it makes my 5th on EX so now my score is affected.

 

Is there anyway to edit the original post to add that a checking account is required? Doing so might save a few people an inquiry.

[BobWang]

Equifax

 

NFCU Equifax5.0 Score Power Report with FICO score for $12.95

https://www.navyfederal.org/life-money/managing-your-money/equifax-member-discounts.php

 

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: (Requires Checking or Credit Card/Loan)
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

Merrick Bank goScore (TU Bankcard Enhanced FICO 08 [250-900])
http://www.merrickba...rless/faqs.aspx

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 GECRB Discover & Store Card TransUnion FICO 08:
http://www.walmart.c...it-Cards/632402


GET DENIED FOR CREDIT


FAKOs are worthless, but these are the less worthless ones:

Experian

Credit.com:
https://www.credit.com/

Credit Sesame:
http://www.creditsesame.com/


TransUnion

Credit Karma:
https://www.creditkarma.com/

[mariuszh]

 

 

Then I guess PSECU requires something besides just a savings account.

It's been a few years now, maybe something has changed where it isn't required now? Kind of like soft pulls for membership.

 

My PSECU membership application is processing as we speak. I applied for only a savings account. I'll let you guys know whether I have access to the FICO. I would imagine I will know this week.

 

My PSECU account has been approved and is active. I can confirm that a savings account by itself DOES NOT include the FICO service.

 

HOWEVER, no hard pull to open the account, just two soft pulls.

 

Opening a checking tomorrow.

[BobWang]

Equifax

 

NFCU Equifax5.0 Score Power Report with FICO score for $12.95

https://www.navyfederal.org/life-money/managing-your-money/equifax-member-discounts.php

 

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: (Soft Pull + Checking [sOFT], or CC/Loan [HARD])
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

Merrick Bank goScore (TU Bankcard Enhanced FICO 08 [250-900])
http://www.merrickba...rless/faqs.aspx

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 GECRB Discover & Store Card TransUnion FICO 08:
http://www.walmart.c...it-Cards/632402


GET DENIED FOR CREDIT


FAKOs are worthless, but these are the less worthless ones:

Experian

Credit.com:
https://www.credit.com/

Credit Sesame:
http://www.creditsesame.com/


TransUnion

Credit Karma:
https://www.creditkarma.com/

[mariuszh]

Bob, I wanted to clarify on the soft pulls.

 

Membership application + Regular Share Savings = 2 soft pulls the date of application

 

Checking = unknown to me as of yet, I faxed the checking account application this morning. Will update accordingly.

[BobWang]

Ah, thanks for the clarification.

 

If they're going to hard pull for checking,

 

I'd just apply for the PSL/Visa combo instead.

[BobWang]

Equifax

 

NFCU Equifax5.0 Score Power Report with FICO score for $12.95

https://www.navyfederal.org/life-money/managing-your-money/equifax-member-discounts.php

 

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: (2 Soft Pulls, + Checking [sOFT?] or CC/Loan [HARD])
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

Merrick Bank goScore (TU Bankcard Enhanced FICO 08 [250-900])
http://www.merrickba...rless/faqs.aspx

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 GECRB Discover & Store Card TransUnion FICO 08:
http://www.walmart.c...it-Cards/632402


GET DENIED FOR CREDIT


FAKOs are worthless, but these are the less worthless ones:

Experian

Credit.com:
https://www.credit.com/

Credit Sesame:
http://www.creditsesame.com/


TransUnion

Credit Karma:
https://www.creditkarma.com/

[mariuszh]

Ah, thanks for the clarification.

 

If they're going to hard pull for checking,

 

I'd just apply for the PSL/Visa combo instead.

 

I have an unpaid medical collection on EX. I am in the middle of Why Chat's HIPAA process to remove it. Once that is gone PSL/Visa Combo here I come!

 

Not to mention their checking accounts is pretty appealing, and I will be using it as my primary checking.

Edited May 24, 2013 by mariuszh

[mariuszh]

Bob,

 

My wife has worked for Sears for 18 years and said that the Sears HSBC Mastercard no longer exists. I was directed to the following site when I attempted to prove her wrong:

 

http://www.solutions.partnercardservices.com/

 

I think that she may be right.

[BobWang]

Bob,

 

My wife has worked for Sears for 18 years and said that the Sears HSBC Mastercard no longer exists. I was directed to the following site when I attempted to prove her wrong:

 

http://www.solutions.partnercardservices.com/

 

I think that she may be right.

 

I'll probably remove the Sears option, it was hit-and-miss anyway.

[8691coupe]

E1305BDY20FST This is good for May I got it for my bithday being this month. 20% off

[futurehomeowner?]

there is an entire thread dedicated to myfico discounts

 

http://creditboards.com/forums/index.php?showtopic=30893

[mariuszh]

Bob,

 

PSECU added checking to my membership today, no credit pull at all. Maybe becasue my initial soft pulls were on May 12th so they are recent.

 

I cannot access my FICO yet, I get this message:

 

No data available. You will be included in next month's update

[BobWang]

Thanks for the update!

[BobWang]

Equifax

 

NFCU Equifax5.0 Score Power Report with FICO score for $12.95

https://www.navyfederal.org/life-money/managing-your-money/equifax-member-discounts.php

 

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

 

myFICO Experian FICO8

http://www.myfico.com/Products/Products.aspx

PSECU Experian FICO '04 score: (2 Soft Pulls, + Checking [sOFT?] or CC/Loan [HARD])
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

Merrick Bank goScore (TU Bankcard Enhanced FICO 08 [250-900])
http://www.merrickba...rless/faqs.aspx

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 GECRB Discover & Store Card TransUnion FICO 08:
http://www.walmart.c...it-Cards/632402


GET DENIED FOR CREDIT


FAKOs are worthless, but these are the less worthless ones:

Experian

Credit.com:
https://www.credit.com/

Credit Sesame:
http://www.creditsesame.com/


TransUnion

Credit Karma:
https://www.creditkarma.com/

[BobWang]

Equifax

 

NFCU Equifax5.0 Score Power Report with FICO score for $12.95

https://www.navyfederal.org/life-money/managing-your-money/equifax-member-discounts.php

 

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

 

Unitus Community CU (Oregon resident, Checking, e-Statements & Loan Product)

https://www.unitusccu.com/personal/online-services/my-fico-score/


Experian

 

myFICO Experian FICO8

http://www.myfico.com/Products/Products.aspx

PSECU Experian FICO '04 score: (2 Soft Pulls, + Checking [sOFT?] or CC/Loan [HARD])
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

Merrick Bank goScore (TU Bankcard Enhanced FICO 08 [250-900])
http://www.merrickba...rless/faqs.aspx

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 GECRB Discover & Store Card TransUnion FICO 08:
http://www.walmart.c...it-Cards/632402


GET DENIED FOR CREDIT


FAKOs are worthless, but these are the less worthless ones:

Experian

Credit.com:
https://www.credit.com/

Credit Sesame:
http://www.creditsesame.com/


TransUnion

Credit Karma:
https://www.creditkarma.com/

[BobWang]

Equifax

 

NFCU Equifax5.0 Score Power Report with FICO score for $12.95

https://www.navyfederal.org/life-money/managing-your-money/equifax-member-discounts.php

 

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

 

Unitus Community CU (Oregon resident, Checking, e-Statements & Loan Product)

https://www.unitusccu.com/personal/online-services/my-fico-score/


Experian

 

myFICO Experian FICO8

http://www.myfico.com/Products/Products.aspx

PSECU Experian FICO '04 score: (2 Soft Pulls, + Checking [sOFT?] or CC/Loan [HARD])
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

Merrick Bank goScore (TU Bankcard Enhanced FICO 08 [250-900])
http://www.merrickba...rless/faqs.aspx

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 GECRB Discover & Store Card TransUnion FICO 08:
http://www.walmart.c...it-Cards/632402


GET DENIED FOR CREDIT


FAKOs are worthless, but these are the less worthless ones:

Experian

Credit.com:
https://www.credit.com/

Credit Sesame:
http://www.creditsesame.com/


TransUnion

Credit Karma:
https://www.creditkarma.com/

 

 

 

Barclays FICO (Bureau to be determined)

https://www.barclaycardus.com/

Follow developments in this thread:

http://creditboards.com/forums/index.php?showtopic=518362

 

So far:

The Barclays FICO List:

Carnival/Fun Points MasterCard

[stroked89coupe]

Bob, would it be worth adding lending club to the list? They provide an instant fico for TU and only pull a soft. Application process consists of a cupple simple questions. They do require what seems to be about 30 days between applications.

 

 

If its not list worthy ( this is more of a denial thing rather than a regular available fico) at least everyone will know who does not already. Sometimes if im in between Walmart's scheduled fico publications, can't wait and need to know my score I will pull a lc app.

[BobWang]

Lending Tree is a good idea, let me think about how to add it, thanks!

[BobWang]

Lending CLUB, not TREE.

[BobWang]

I even had them in my Bookmarks as a TU 04 FICO.

 

I can't remember why I didn't include them before,

 

maybe there were some negative experiences reported here.