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The Master FREE ($0.00) FICO Score Thread

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You can now get your Experian FICO 8 for free from the Experian mobile app, or from www.experian.com.

 

I haven't been able to find any info as to how often the score refreshes, but the credit report in the mobile app refreshes once a month.

 

umi3U64.png

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On 11/13/2018 at 3:23 AM, cv91915 said:

You can now get your Experian FICO 8 for free from the Experian mobile app, or from www.experian.com.

 

I haven't been able to find any info as to how often the score refreshes, but the credit report in the mobile app refreshes once a month.

 

umi3U64.png

 

I got an email alert that my credit report changed yesterday.  When I logged into the app, it showed what changed as well as an updated credit score.

Edited by nooneimportant

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Two updates:

1 - SF Fire credit union changed their site and it now sucks.  They no longer offer the credit score in the site, but if you contact customer service, they'll pull it for you.

 

2 - my amex card just removed the free fico8 score.  I now can sign up for some TU fako.  Not interested.  Did this happen to anybody but me?

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11 hours ago, earlh said:

my amex card just removed the free fico8 score.  I now can sign up for some TU fako.  Not interested.  Did this happen to anybody but me?

I have multiple Amex logins.  On one login I just have my SPG.  No FICO link.

 

On the login that I use to manage Green, EveryDay, BCE and Blue Sky I still have the FICO link.  Last score update was 11/24.

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Since 2014 I have been throwing money away at MyFico for no reason for two people 🙄

 

Thought I should change that starting next year. 

  • Experian FICO 8 - Experian mobile app. Thanks @cv91915
  • Trans Union FICO 8 - Barclays Personal CC website
  • Equifax FICO 9 - NFCU

 

What about Equifax FICO 8?

 

I have DCU but planning to close that as part of trimming useless accounts (it's not useful for the FICO scores as I'm not sure who even uses that score model).

Edited by generallissimo

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4 hours ago, generallissimo said:

Since 2014 I have been throwing money away at MyFico for no reason for two people 🙄

 

Thought I should change that starting next year. 

  • Experian FICO 8 - Experian mobile app. Thanks @cv91915
  • Trans Union FICO 8 - Barclays Personal CC website
  • Equifax FICO 9 - NFCU

 

What about Equifax FICO 8?

 

I have DCU but planning to close that as part of trimming useless accounts (it's not useful for the FICO scores as I'm not sure who even uses that score model).

DCU sucks anyway. Wise choice to kick em to the curb. Trust me. I was scammed online and it was just a nightmare dealing with them on the matter. They closed my account anyway permanently, so I cut my losses and moved on. Going to also look into those other sources of free FICO scores. I found that the one on Penfed from a few months ago is pretty accurate for Equifax now and I've gotten 100x better customer service from them too for a credit union. 

Edited by greenpotatochips

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On 12/16/2019 at 6:25 PM, generallissimo said:

Since 2014 I have been throwing money away at MyFico for no reason for two people 🙄

 

Thought I should change that starting next year. 

  • Experian FICO 8 - Experian mobile app. Thanks @cv91915
  • Trans Union FICO 8 - Barclays Personal CC website
  • Equifax FICO 9 - NFCU

 

What about Equifax FICO 8?

 

I have DCU but planning to close that as part of trimming useless accounts (it's not useful for the FICO scores as I'm not sure who even uses that score model).

Ok, found a source for Equifax Bankcard Score 8. Citi offers it (at least they do for my Citi Premier) and matches the score from MyFICO. Though it appears that the scores are delayed by about a month before they appear on Citi, but accurately tracks my score history from MyFICO for Bankcard 8 and also states that it is indeed Equifax Bankcard Score 8 in the fine print.

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On 12/16/2019 at 6:25 PM, generallissimo said:

I have DCU but planning to close that as part of trimming useless accounts (it's not useful for the FICO scores as I'm not sure who even uses that score model).

 

Some feedback re this comment (that I belatedly picked up on in reviewing this thread):

 

The FICO Score reported by DCU is the Equifax Beacon 5.0 score, the predominant FICO score used by lenders when pulling an Equifax Report.  (Comparable scores are TU FICO 4 and Experian v2.  Use of these older score models (and not their newer analogs such as FICO 8 or 9) are required for the scoring of loan applications where the loans will subsequently be insured or purchased/repackaged by a government entity.

 

Most credit card lenders now use the FICO Bankcard 8 credit score model and many report the updated scores they pull to their cardholders as a benefit.  Only a small subset of issuers report scores from earlier models.  For this reason, there may be some benefit from maintaining your DCU account.

 

I've been with DCU since something like 2007.  In 2011, we took both a home mortgage and a car loan from them.  The experience was generally positive (although the mortgage experience was a bit rocky, but not particularly unusual in that).  A subsequent home equity line app was processed speedily, and we've had nothing but strong experience in managing/using the line since.

 

In late 2019, my wife accepted a new position and we decided to purchase a new home in advance of sale of our current one.  This was a stretch in almost all respects.  DCU guided us in extending our HELOC limit to permit us to tap equity for the new down payment, and gave us some strong pointers on what would be necessary to ensure that we qualified for sufficient funds for the mortgage.  I benefited from a lot more hand holding than I had experienced in our prior mortgage endeavors over the last 30 years. 

 

DCU has generally received mixed reviews here and elsewhere, and I acknowledge that.  However, I'm satisfied that I enjoyed the strongest mortgage underwriting experience one might hope for.

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I came to this thread after searching for a way to get my own fico scores. And because so much of this thread seems a bit dated, I'm hoping it can be resurrected here.

Do I understand correctly that FICO is also known as Fico 8, or Fico 9?

What do those numbers mean?

 

And do I understand correctly that any of the banks/cards (citi etc) that offer FICO 8 or 9, are offering you a real FICO score?

And if that is the case, are there opinions as to the easiest/best source?

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1 hour ago, Bohemian said:

I came to this thread after searching for a way to get my own fico scores. And because so much of this thread seems a bit dated, I'm hoping it can be resurrected here.

Do I understand correctly that FICO is also known as Fico 8, or Fico 9?

What do those numbers mean?

 

FICO® Scores Versions

 

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