Credit Card Center Advertiser Disclosure†
07-06-2012 11:20 AM
07-06-2012 11:22 AM
you can buy your scores from myfico.com right here. Those are real FICO scores
07-06-2012 11:47 AM
Get the Equifax FICO score on this site. That'll give you a pretty good idea of where you are.
Follow my financial journey: http://www.frugalrican.com
07-06-2012 11:56 AM
07-06-2012 01:13 PM
As others have stated, freecreditscore.com sells FAKO scores, which aren't used by any lenders. In order to generate a FICO® score there must be at least one account with 6 months of history reporting. You mentioned that you have used a Chase card ~ do you know if it reports to all 3 CRAs ?
It's Chase, how would it not?
OP: Sounds like a temporary snafu, I'd recommend just pulling your report from annualcreditreport.com and see what's on the base report straight from the bureau... if that Chase student card isn't reporting on it, it's worth finding out why as I'd be stunned to the point of cardiac arrest if it wasn't reported by default across Chase's portfolio.
07-06-2012 01:38 PM
Chase has a student credit card?
May not anymore, am guessing it got rolled into the wide range of Freedom underwriting criteria if that's the case. I looked on their website just now and didn't see it, but that doesn't mean much admittedly.
07-06-2012 01:48 PM
Chase has a student credit card?
Is this the card you have (click here)? Maybe this one doesn't report like other Chase cards -- I don't know!
But, if you could not buy a FICO® score from here at myFICO®, then you do not have a FICO® score yet.
You can probably get your credt "REPORT" from annualcreditreport.com but, you may not have generated a FICO® "score" just yet. A report and a score are two different things! It takes 6 months with a credit card (like the one's you got last month) in order to generate a FICO® score.
I wish you the best!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.