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Frequent Contributor
Posts: 311
Registered: ‎07-08-2012

Re: Does anybody have all three?

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.

07/29/12: EX FICO (Amex) 684 | EQ MyFICO 631 | TU Walmart 695
Current: EX FICO (MyFICO) 733 | EQ (MyFICO) 683 | TU (Walmart) 745

First Goal: 700+ across the board - Got it on EX & TU!!!
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011

Re: Does anybody have all three?

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

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758

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