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Credit offering free credit report card

Super Contributor

Credit offering free credit report card

Credit.com offering free report card that pulls data from TU.  It has interesting info.  I was able to get five different scores and grades.
Message 1 of 13
12 REPLIES
Valued Member

Re: Credit offering free credit report card

these are awesome scores

 

A 750-850 901-990 740-830 845-925 800-900

 


Starting Score: EQ 697 TU 709
Current Score: EQ 734 TU 720
Goal Score: 750


Take the FICO Fitness Challenge
Message 2 of 13
Super Contributor

Re: Credit offering free credit report card


Sayre wrote:

these are awesome scores

 

A 750-850 901-990 740-830 845-925 800-900

 


Yes! I've only been managing credit since 8/1999 when I recieved my first student loan.

Message 3 of 13
Contributor

Re: Credit offering free credit report card

Hmm - I got the exact same thing with a 727 EQ and 733 TU. Woohoo!

 

Gotta love FAKO scores. Smiley Happy

Message 4 of 13
Super Contributor

Re: Credit offering free credit report card


CodeMonkey wrote:

Hmm - I got the exact same thing with a 727 EQ and 733 TU. Woohoo!

 

Gotta love FAKO scores. Smiley Happy


FAKO scores are not all that bad.  It gives you a sense of where you stand in the world of credit at a free or cheaper cost.

Message 5 of 13
Contributor

Re: Credit offering free credit report card

True. On the other hand, you run into consumer misinformation issues.

 

Had a buddy apply for his first mortgage not long ago, and he was all fired up because CreditKarma told him he had an excellent score - he didn't know about myFICO. Told him to check his scores here and it turns out he was in a lower (well, higher interest rate) bracket than CK led him to believe.

 

The average consumer probably isn't aware there are lots of different credit scores out there.

Message 6 of 13
Valued Contributor

Re: Credit offering free credit report card

I just checked mine out too. 

 

A+  payment history

A+  debt usage

A+  credit age 

C-  acct mix - I am not one for having a lot of accts.

A-  inquiries 

 

Scores  ( 750-850) ( 901-990 )  ( 740-830 ) ( 845-925 ) ( 800-900 )

FICO 08
TU 839 11/11/17
EX 833 11/11/17
EQ 837 11/12/17
(NASA 30K) ( Amex 38.6k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 5/15
Message 7 of 13
Super Contributor

Re: Credit offering free credit report card

I checked mine. They gave me B+. I got F in the credit mix since I dont have mortgage loan. I paid off the house years ago, not sure what they are complaining about not having a mortgage.
Message 8 of 13
Valued Contributor

Re: Credit offering free credit report card


concorduser wrote:
I got F in the credit mix since I dont have mortgage loan. I paid off the house years ago, not sure what they are complaining about not having a mortgage.

I would love to have an "F" on my credit mix knowing my home was paid for.   Congrats to you on having your home free and clear. 

FICO 08
TU 839 11/11/17
EX 833 11/11/17
EQ 837 11/12/17
(NASA 30K) ( Amex 38.6k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 5/15
Message 9 of 13
Established Contributor

Re: Credit offering free credit report card

I checked as well. It gave me an A all across the board.

Funny - TU is my lowest of the scores...

pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
Message 10 of 13