149 replies to this topic

[johnc123]

Anyone know where I can purchase TU Classic 04 my self?

[Troy and Katrina]

Where can you get an accurate DAILY puller that pulls the right FICO and not the FAKO. I am tired of seeing my scores say 589 when the bank tells me 654.

[BobWang]

Where can you get an accurate DAILY puller that pulls the right FICO and not the FAKO. I am tired of seeing my scores say 589 when the bank tells me 654.

$600 a month for just Equifax at myFICO.com.

Score Watch only alerts to changes.

[BackOnTheHorse]

FYI: Up2Drive (NetLoan Funding for Ebay Motors) gives you your EX score when denied. I applied for an auto loan online at 9:30pm and received the rejection letter with my EX score within minutes.

[alibaba77]

So based on what I've read here, there's really no way for me to pull my own EQ Beacon 5.0, TU Classic 04, or EX Fair Isaac Score 2, correct? These are the three specific scores my mortgage company uses and I'd like to SP before they pull. I wonder if I could purchase from CBCInnovis myself???

[Link2k]

So based on what I've read here, there's really no way for me to pull my own EQ Beacon 5.0, TU Classic 04, or EX Fair Isaac Score 2, correct? These are the three specific scores my mortgage company uses and I'd like to SP before they pull. I wonder if I could purchase from CBCInnovis myself???

myFico sells Beacon, they may not call it that but the scores are identical.

[alibaba77]

So based on what I've read here, there's really no way for me to pull my own EQ Beacon 5.0, TU Classic 04, or EX Fair Isaac Score 2, correct? These are the three specific scores my mortgage company uses and I'd like to SP before they pull. I wonder if I could purchase from CBCInnovis myself???

myFico sells Beacon, they may not call it that but the scores are identical.

One down, two to go! I bet there's no chance of getting them all in the same place huh?

[EC99SS]

Hi all...ok noob question. I have a Discover Card. Where can I find/see the TU FICO score when logged online. I read on here that Discover provides this.

Thanks much!

[Duck Bills]

Its not Discover. Its Walmart/GERB or Walmart Discover also through GERB

[EC99SS]

Its not Discover. Its Walmart/GERB or Walmart Discover also through GERB

Ahhh...got it. Thanks!

[BobWang]

how close is the barclays score to myfico.com TU score?

When I applied around August of last year, the recon analyst gave me the exact TU score I had on myFICO.

FYI

[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 GECRB Discover & Store Card TransUnion FICO:
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/

[heffa]

Equifax5.0 FICO score:
http://www.equifax.c...yfico-products/

myFICO Equifax5.0 and TransUnion98 FICO scores:
http://www.myfico.co...s/Products.aspx

Just want to be 100% that these two both are the real FICO score, since the first one charges $19.95 and the latter $15.95 when I click on them. Anyone?

[Walt_K]

Equifax5.0 FICO score:
http://www.equifax.c...yfico-products/

myFICO Equifax5.0 and TransUnion98 FICO scores:
http://www.myfico.co...s/Products.aspx

Just want to be 100% that these two both are the real FICO score, since the first one charges $19.95 and the latter $15.95 when I click on them. Anyone?

They are both FICO scores. However, the TU score you get at myFICO is TU98. The TU score you can get via the Walmart card is TU08. Unfortunately, it seems that many (most?) lenders especially for mortgage purposes use TU04. I don't think there is anywhere you can get your TU04 except through a lender pull. I've seen several instances of people reporting a 40 point or greater difference between their TU04 and TU98.

[BinaryMan]

I've been trying to find a daily tri-report + tri-FICO scores, it looks like there is no such service. And, also one that shows soft pulls because so far I haven't seen it anywhere pulling daily from USAA. FICO "delta" is fine as long as I know about what it is on a given day. MyFico was a complete bust in terms of changing score when accounts were being added so I dropped it. Seems like it's pretty expensive to keep track of all of these.

Edited by BinaryMan, 04 October 2012 - 06:07 PM.

[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

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]

^

[needtoknownow]

Hi All,

 

I'm new here and not sure if this is the correct thread to post in but makes sense to me. I have had the Equifax Score watch membership for years and receive alerts on score changes etc.- I believe the score I receive is a FICO but with that said I paid $14.95 last week to pull all 3 of my reports from an Experian site ( only wanted Experian and TU but it wasn't an option)... I was shocked to see the difference in my EQ score. For starters, my EQ score was showing 56 points higher on my Experian 3 in one pull. The scores were called Experian PLUS So my question is are these fake scores? I would tend to think that EQ knows their score and that the score update that I receive regularly from EQ is the accurate EQ score. Anyone?

 

 

[BobWang]

PLUS scores are what are called FAKOs,

 

not real FICO scores like the Equifax ones provided with Score Watch

[needtoknownow]

Thanks BobWang... That's what I thought because there was a huge difference but it came from Experian rather than an unaffiliated site so I needed clarification. Why are they allowed to sell FAKO's if they are worthless? This makes no sense to me. Where can I get my actual Experian and TU scores? Or do I not need them since I know my FICO from EQ?

Edited by needtoknownow, 02 April 2013 - 07:21 AM.

[BobWang]

Um, that's what this whole thread is about.

[Rebuilding2010]

Thanks for bumping this tho, I hadn't known about DCU rounding out my PSECU and Walmart scores.

[BobWang]

^

[Credit Tech]

Credit Karma seems to have switched to a weekly update recently, unless its just a restriction on my account.

 

Also on PSECU, to get the FICO what products do you have to have?

 

Thanks1

[BobWang]

CK will be switching to weekly for everybody.

 

PSECU FICO comes with membership, no products needed.