The Master FREE ($0.00) FICO Score Thread

[HoustonLynne]

I'm tossing the coin on BDK -- you call it.

 

Heads: Dopey

Tails: Snow White

Aww, you think I'm PURE?

 

Purely Dopey more like it!

...and some days, full o' PURE...well......it starts with bull and ends with it.

[Cappy]

Hey, what am I?

[HoustonLynne]

I think Sneezy and Sleepy are still up for grabs...although I'm about to borrow the latter one for the remainder of the evening.

[cv91915]

I decided that somebody else,

 

with his sunny disposition,

 

would be Happy And His Amices

 

My good moods have been described as "infectious".

 

Or was that something the doctor diagnosed...?

Edited May 11, 2014 by cv91915

[HoustonLynne]

I decided that somebody else,

 

with his sunny disposition,

 

would be Happy And His Amices

My good moods have been described as "infectious".

 

Or was that something the doctor diagnosed...?

Yeah...wrong forum, my cheerful friend.

 

Actually, Doc is the one who dubbed you as Happy...so maybe that makes sense.

[mizliz1011]

so, you have to have these credit cards to get your scores? that seems a bit odd.. how can you get credit cards until your score is high enough to apply? Am I missing something here.../ is this the "back door" that people discuss?

 

[Remo]

Its just a bonus service these credit cards offer nothing else. Not all cards, banks, or credit union offer this service. That is why the list wast compiled.

[Remo]

Should we assume that all FNBO cards pull ARS.

 

If not which ones do not pull ARS.

[BobWang]

Equifax

 

Capital One Luv Button (Denial)

http://www.capitalon...-line-increase/

 

Digital FCU Equifax5.0 FICO Eq04 score:

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

M&T Bank Equifax5.0 Eq04 FICO :score ($2.99 per month)
https://www.mtb.com/...edit-score.aspx

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

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


Experian

 

First Bankcard, a division of First National Bank of Omaha (PULLS ARS)

1st Convenience Bank: https://www.firstban...ico_score.fhtml

Alitalia Amex (Italian airline): https://www.firstban...ico_score.fhtml

American Savings Bank Hawaii: https://www.firstban...ico_score.fhtml

Astoria Federal Savings: https://www.firstban...ico_score.fhtml

Centier Bank Visa: https://www.firstban...ico_score.fhtml

Chrysler MasterCard: https://www.firstban...ico_score.fhtml

Dodge MasterCard: https://www.firstban...ico_score.fhtml

Fiat MasterCard: https://www.firstban...ico_score.fhtml

First Midwest Bank Visa: https://www.firstban...ico_score.fhtml

First National Bank North Platte (Amex, Discover, Visa): https://www.fnbnp.co...ico-score.fhtml

First National Bank Southwest (Amex, Discover, Visa): https://www.fnsouthw...ico-score.fhtml

First State Bank Visa: https://www.fsbloomi...ico-score.fhtml

Fremont Bank Amex or Visa: https://www.firstban...ico_score.fhtml

Jeep MasterCard: https://www.firstban...ico_score.fhtml

Montecito Bank & Trust: https://www.firstban...ico_score.fhtml

Mopar (Chrysler) MasterCard: https://www.firstban...ico_score.fhtml

National Rifle Association (NRA): https://www.firstban...ico_score.fhtml

New York Commercial Bank (Amex, Discover, Visa): https://www.firstban...ico_score.fhtml

New York Community Bank: https://www.firstban...ico_score.fhtml

New York Life: https://www.firstban...ico_score.fhtml

Old National Bank: https://www.firstban...ico_score.fhtml

Overstock.com MasterCard: https://www.firstban...ico_score.fhtml

Ram (as in, Dodge Ram) MasterCard: https://www.firstban...ico_score.fhtml

SalemFive MasterCard: https://www.firstban...ico_score.fhtml

Sibley State Bank Visa: https://www.sibleyst...ico-score.fhtml

Sport Chalet MasterCard: https://www.firstban...ico_score.fhtml

SwagBucks Visa: https://www.firstban...ico_score.fhtml

World of Warcraft Visa: https://www.firstban...ico_score.fhtml

 

First National Bank of Omaha Experian FICO® 8 Ex08 Bankcard Score (PULLS ARS)

https://www.firstnational.com/site/personal/credit-card/benefits/fico-score.fhtml?ecid=133010OMACRD0038PTMMS1NAA

 

LA QUINTA^®, RETURNS^® (PULLS ARS)

https://www.firstban.../benefits.fhtml

 

Prosper Experian FICO 08

http://www.prosper.com/

PSECU Experian FICO '04 Ex04 score: (2 Soft Pulls, + Checking [sOFT?] or CC/Loan [HARD])
https://www.psecu.com/fico/

 

SF Fire Credit Union (Quarterly)

http://www.sffirecu.org/2011/6/26/view-your-updated-quarterly-credit-grade-in-online-banking

 

Visions FCU MAY get Experian FICO when applying for loan products:
https://www.visionsfcu.org/


TransUnion

 

Barclaycard (TU08 300-850)

https://www.barclaycardus.com/servicing/score

 

Discover (TU08 300-850)

https://www.discover.com/credit-cards/member-benefits/fico-credit-score.html

 

Lending Club (TU08 300-850)

https://www.lendingclub.com/

Merrick Bank goScore (TU Bankcard Enhanced FICO 08 TU08 [250-900])
http://www.merrickba...rless/faqs.aspx

 

Milestone® Gold MasterCard® Pre-Qualify (Score only if denied)

https://www.milestonegoldcard.com/get-your-gold-card?mmcid=MAAG00213075001MKI5T2

 

Partners 1st Federal Credit Union TransUnion FICO
http://www.partners1...reditscore.html

Walmart GECRB Discover & Store Card TransUnion FICO 08TU08:
http://www.walmart.c...it-Cards/632402

[Momof5]

Sooo, is Lending club TU08 and myfico is TU04? I used Lending Club to get TU score....it is 45 pts higher than myfico.

[BobWang]

myFICO is the OBSOLETE TU98,

 

they should be ashamed of themselves,

 

for selling that score.

[Shuwatic]

I have the Hawiaan Miles Barclay mastercard... I can't find anywhere that it says it offers a free report. Does that offer not apply to Hawaiian Air cards?

[BobWang]

OM,

 

or Occam's Method:

 

http://creditboards.com/forums/index.php?showtopic=518362&do=findComment&comment=4912199

[althes]

US Bank Kroger Luv button (denial) tu04 bankcard enchanced fico 250-873.

Bloomingdales luv button denial equifax bankcard fico 250-900.

[mizliz1011]

barclaycard is light on credit pull information for TU... Any luminaries out there? Its that or walmart... hoping to hear which is best...in other words, lowest score needed! don't care if it is a toy card, want the TU fico 08 for free at least monthly. Except for mortgage, I will be clean very shortly...looking to keep cleaning up, have DCU and a credit builder of $2500 on way from UPennCU...don't know how they report, will have a secured credit card shortly also from UPennCR (they start offering in the fall). Looking to eliminate double mortgage on file which is misleading... in process of trying to work that out. thanks to all

[mendelssohn]

barclaycard is light on credit pull information for TU... Any luminaries out there? Its that or walmart... hoping to hear which is best...in other words, lowest score needed! don't care if it is a toy card, want the TU fico 08 for free at least monthly. Except for mortgage, I will be clean very shortly...looking to keep cleaning up, have DCU and a credit builder of $2500 on way from UPennCU...don't know how they report, will have a secured credit card shortly also from UPennCR (they start offering in the fall). Looking to eliminate double mortgage on file which is misleading... in process of trying to work that out. thanks to all

Discover also offers a free TU 08 score. Of the 3, Walmart is the easiest to get.

[BDK]

myFICO is the OBSOLETE TU98,

 

they should be ashamed of themselves,

 

for selling that score.

As we now know, myFICO upgraded TU scores to the FICO 8 RISK scores as of 5/30!

 

http://ficoforums.myfico.com/t5/General-Credit-Topics/Myfico-TU-now-FICO-8-Risk-Score-confirmed/td-p/3146966

Edited June 6, 2014 by BDK

[BobWang]

Yeah, I'll get around to updating the free FICO threads some day.

[moneypyts]

Unitus Credit Union membership is also open to these folks:

 

"...or if you live, work or worship in the State of Washington, you're eligible to join. "

 

https://www.unitusccu.com/mobile/member

 

MP

[BobWang]

Equifax

 

Capital One Luv Button (Denial)

http://www.capitalon...-line-increase/

 

Digital FCU Equifax5.0 FICO Eq04 score:

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

M&T Bank Equifax5.0 Eq04 FICO :score ($2.99 per month)
https://www.mtb.com/...edit-score.aspx

Unitus Community CU (Oregon resident "...or if you live, work or worship in the State of Washington, you're eligible to join. ", Checking, e-Statements & Loan Product)

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


Experian

 

First Bankcard, a division of First National Bank of Omaha (PULLS ARS)

1st Convenience Bank: https://www.firstban...ico_score.fhtml

Alitalia Amex (Italian airline): https://www.firstban...ico_score.fhtml

American Savings Bank Hawaii: https://www.firstban...ico_score.fhtml

Astoria Federal Savings: https://www.firstban...ico_score.fhtml

Centier Bank Visa: https://www.firstban...ico_score.fhtml

Chrysler MasterCard: https://www.firstban...ico_score.fhtml

Dodge MasterCard: https://www.firstban...ico_score.fhtml

Fiat MasterCard: https://www.firstban...ico_score.fhtml

First Midwest Bank Visa: https://www.firstban...ico_score.fhtml

First National Bank North Platte (Amex, Discover, Visa): https://www.fnbnp.co...ico-score.fhtml

First National Bank Southwest (Amex, Discover, Visa): https://www.fnsouthw...ico-score.fhtml

First State Bank Visa: https://www.fsbloomi...ico-score.fhtml

Fremont Bank Amex or Visa: https://www.firstban...ico_score.fhtml

Jeep MasterCard: https://www.firstban...ico_score.fhtml

Montecito Bank & Trust: https://www.firstban...ico_score.fhtml

Mopar (Chrysler) MasterCard: https://www.firstban...ico_score.fhtml

National Rifle Association (NRA): https://www.firstban...ico_score.fhtml

New York Commercial Bank (Amex, Discover, Visa): https://www.firstban...ico_score.fhtml

New York Community Bank: https://www.firstban...ico_score.fhtml

New York Life: https://www.firstban...ico_score.fhtml

Old National Bank: https://www.firstban...ico_score.fhtml

Overstock.com MasterCard: https://www.firstban...ico_score.fhtml

Ram (as in, Dodge Ram) MasterCard: https://www.firstban...ico_score.fhtml

SalemFive MasterCard: https://www.firstban...ico_score.fhtml

Sibley State Bank Visa: https://www.sibleyst...ico-score.fhtml

Sport Chalet MasterCard: https://www.firstban...ico_score.fhtml

SwagBucks Visa: https://www.firstban...ico_score.fhtml

World of Warcraft Visa: https://www.firstban...ico_score.fhtml

 

First National Bank of Omaha Experian FICO® 8 Ex08 Bankcard Score (PULLS ARS)

https://www.firstnational.com/site/personal/credit-card/benefits/fico-score.fhtml?ecid=133010OMACRD0038PTMMS1NAA

 

LA QUINTA^®, RETURNS^® (PULLS ARS)

https://www.firstban.../benefits.fhtml

 

Prosper Experian FICO 08

http://www.prosper.com/

PSECU Experian FICO '04 Ex04 score: (2 Soft Pulls, + Checking [sOFT?] or CC/Loan [HARD])
https://www.psecu.com/fico/

 

SF Fire Credit Union (Quarterly)

http://www.sffirecu.org/2011/6/26/view-your-updated-quarterly-credit-grade-in-online-banking

 

Visions FCU MAY get Experian FICO when applying for loan products:
https://www.visionsfcu.org/


TransUnion

 

Barclaycard (TU08 300-850)

https://www.barclaycardus.com/servicing/score

 

Discover (TU08 300-850)

https://www.discover.com/credit-cards/member-benefits/fico-credit-score.html

 

Lending Club (TU08 300-850)

https://www.lendingclub.com/

Merrick Bank goScore (TU Bankcard Enhanced FICO 08 TU08 [250-900])
http://www.merrickba...rless/faqs.aspx

 

Milestone® Gold MasterCard® Pre-Qualify (Score only if denied)

https://www.milestonegoldcard.com/get-your-gold-card?mmcid=MAAG00213075001MKI5T2

 

Partners 1st Federal Credit Union TransUnion FICO
http://www.partners1...reditscore.html

Walmart GECRB Discover & Store Card TransUnion FICO 08TU08:
http://www.walmart.c...it-Cards/632402

[tzuk]

Lending Club gave me Experian 08 as well as TU 08 when I applied for a loan.

 

 

Adverse Action Notice

Dear XXXX,

After very carefully reviewing your application, we are sorry to advise you that we cannot approve your loan request for the following reasons:

• Too many inquiries

The consumer reporting agency contacted that provided information that influenced our decision in whole or in part was:

Experian

P.O. BOX 2002

Allen, TX 75013

1-888-397-3742

http://www.experian.com/

We also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes.

1. Your credit score: 702
2. Date of Credit Report Pull: Wednesday, Jun 4, 2014
3. Scores range from 300 to 850
4. Key factors that adversely affected your credit score:

1. LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
2. PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
3. TOO MANY INQUIRIES LAST 12 MONTHS
4. LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED

The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in a report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. Any questions regarding such information should be directed to Experian.

Loans originated through the Lending Club platform are underwritten and made by WebBank, Salt Lake City, UT, member FDIC. Lending Club is providing this notification to you on behalf of WebBank. Please contact Lending Club at the address shown below if you have any questions about this notice:

Lending Club Corporation

71 Stevenson St, Suite 300

San Francisco, CA 94105

Email: support@lendingclub.com

Phone: 888-596-3157.

 

 

[althes]

The lending club was a SP.

[cv91915]

I think I need to get a LaQuinta card now.

[HoustonLynne]

I can't recall where I saw the question asked, but I figured the answer was best placed here.

 

In case you're considering one of the FNBO cards for a free monthly EX08 Bankcard Enhanced FICO,

and you're curious how soon you'll start receiving it after approval, mine began right around 30 days.

 

Of course, I didn't KNOW it was available, because there's nothing to notify you. And I believe I'd read

somewhere on CB that it takes 2-3 months before you start receiving it. So I never checked. Until now.

 

Not sure when it was available, actually, but it was generated on 6/11/2014. So I'll know sometime after

the 11th of July just how quickly they make it available. I'm eager to see what a 32-yr-old Amex does.

[mizliz1011]

if FNBO pulls experian, I am a long way off from getting the card for a free score!