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The Master Where Can I Get My FICO Score Mega Thread


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237 replies to this topic

#51 Steven85

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Posted 27 August 2011 - 02:17 PM

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



#52 inthematrix

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Posted 29 August 2011 - 12:52 AM


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?

#53 whoo hoo

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Posted 22 September 2011 - 07:07 AM

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.

#54 BobWang

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Posted 24 September 2011 - 10:03 AM


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

#55 BobWang

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Posted 24 September 2011 - 10:05 AM

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
[/quote]

#56 BobWang

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Posted 09 October 2011 - 04:23 PM

Credit Sesame: 787

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



#57 RGB

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Posted 03 November 2011 - 09:46 AM

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

#58 BobWang

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Posted 03 November 2011 - 11:51 AM

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.

#59 BobWang

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Posted 03 November 2011 - 11:52 AM

Posted Image

#60 dixonge

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Posted 06 December 2011 - 11:46 PM

Well rats - tried the WalMart card and got denied LOL

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

#61 BobWang

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Posted 09 December 2011 - 06:54 PM


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

#62 BobWang

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Posted 09 December 2011 - 07:01 PM


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"

#63 breeze

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Posted 10 December 2011 - 01:01 PM

There is no free FICO score.

#64 BobWang

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Posted 11 December 2011 - 12:37 PM

Credit Sesame is looking better and better:

Posted Image

#65 BobWang

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Posted 11 December 2011 - 02:33 PM

Posted Image

#66 BobWang

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Posted 11 December 2011 - 05:09 PM

Posted Image

Posted Image

#67 BobWang

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Posted 12 December 2011 - 04:31 PM

Posted Image
n=38, r=0.786


Posted Image
n=74, r=0.811

#68 JWBurns

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Posted 12 December 2011 - 08:11 PM

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?

#69 BobWang

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Posted 12 December 2011 - 08:23 PM

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

#70 JWBurns

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Posted 12 December 2011 - 08:32 PM

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?

#71 BobWang

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Posted 12 December 2011 - 08:34 PM

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.

#72 JWBurns

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Posted 12 December 2011 - 08:47 PM

Excellent sir, thanks again

#73 JWBurns

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Posted 13 December 2011 - 12:24 PM

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?

#74 Mo Munny Mo Problems

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Posted 09 January 2012 - 11:35 AM


What's a 5.0?


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



Chevy > Ford :P

#75 leonard1971

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Posted 09 January 2012 - 12:54 PM

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. :P






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