topic Re: Does anybody have all three? in Credit Cards

Does anybody have all three?

7PM789 — Wed, 10 Oct 2012 06:18:12 GMT

A walmart discover (free Trans Union score), a u.s. bank cash + (free Experian score) and a checking plus account with D.C.U. (free Equifax score) ?

Re: Does anybody have all three?

maiden_girl — Wed, 10 Oct 2012 06:21:58 GMT

Walmart Discover yes...US BANK HAS FREE FICO?? I shouldv'e apped for that card! Damnit! Oh well!

Re: Does anybody have all three?

Dustink — Wed, 10 Oct 2012 06:57:31 GMT

All US Bank accounts include the score free with internet banking. Although, it seems to pretty much be a one time thing. Maybe somehow once a year, but I am not seeing it.

Re: Does anybody have all three?

emptypockets — Wed, 10 Oct 2012 10:25:33 GMT

The US Bank EX score is a Fako

Re: Does anybody have all three?

bobebob — Wed, 10 Oct 2012 11:07:23 GMT

Since I don't live in PA, the best I can do is to have the TU Fico from my Walmart Discover Card, and EQ Fico from DCU once a month.

Those are free.

I pay for SW so I have an updated EQ Fico whenever any negative change occurs.

I also use Bank of America's Privacy Assist service so I know about any changes that happen to any information in all three agencies' data. The scores this service gives are fako's but it's the info in the reports that I'm concerned with.

*edited because Ipad typing causes issues. I have learned that if you edit in HTML tab this is better.

Re: Does anybody have all three?

lithium78 — Wed, 10 Oct 2012 13:16:49 GMT

You might as well use a free EX FAKO from creditsesame.com since US Bank's free score isn't any more accurate.

Re: Does anybody have all three?

Dustink — Wed, 10 Oct 2012 23:39:12 GMT

emptypockets wrote:
The US Bank EX score is a Fako

I have pretty much come to accept that every score a consumer has access to is a FAKO. Most banks either use an internal systems or a score not accessible by a customer.

I don't focus on my score, I focus on the info within the report.

Re: Does anybody have all three?

7PM789 — Sun, 14 Oct 2012 13:44:48 GMT

Hey bobebob, I believe you're thinking of P.S.E.C.U. (pennsylvania state employees credit union), I'm talking about D.C.U. (digital credit union). I was under the impression that U.S. bank was a monthly update like the D.C.U. and the walmart T.U. From what I'm gathering it would seem that most believe it's not worth having all three also the U.S. Bank only gives you a one time experian fako?

Re: Does anybody have all three?

JonStur — Sun, 14 Oct 2012 14:12:36 GMT

7PM789 wrote:
Hey bobebob, I believe you're thinking of P.S.E.C.U. (pennsylvania state employees credit union), I'm talking about D.C.U. (digital credit union). I was under the impression that U.S. bank was a monthly update like the D.C.U. and the walmart T.U. From what I'm gathering it would seem that most believe it's not worth having all three also the U.S. Bank only gives you a one time experian fako?

With US Bank they provide a link from their website, if your eligible, to Experian where you sign up and receive an updated score monthly..

Re: Does anybody have all three?

7PM789 — Sun, 14 Oct 2012 14:23:08 GMT

What are the eligibility requirements?

Re: Does anybody have all three?

Autumnslight — Sun, 14 Oct 2012 15:02:21 GMT

I have a store branded Visa from US Bank, and I have the free monthly Experian sore. It's the same FAKO that I get with USAA and Credit Karma (which is free, and at least give you more information), so it's not even worth looking at in my opinion.

Re: Does anybody have all three?

distantarray — Tue, 23 Oct 2012 20:28:18 GMT

With a clean report the closest thing is probably Credit Sesame that everyone can join, DCU is accurate, Walmart Fico is not since it's 08 version scoring which most lenders do not use. MyFico TU is 98 and only Barclay is believed to still use that score.

Lenders choose 04 scoring cause it was the harshest to the consumer making it their best choice. 04 scoring no one has ever reported past a 819 on their Fico 04 generic score (not auto enhanced etc) It's kinda bs to say perfect score is 850 when NO ONE has ever hit it. Even the Fico president is under 800