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Free EQ score?

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clocktick
Valued Contributor

Free EQ score?

Are there any credit cards or credit unions that give you your monthly Equifax FICO?  Just wondering because I get TU and EX already.  Thanks in advance!

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Message 1 of 11
10 REPLIES 10
daybreakgonesXe
Valued Contributor

Re: Free EQ score?


@clocktick wrote:

Are there any credit cards or credit unions that give you your monthly Equifax FICO?  Just wondering because I get TU and EX already.  Thanks in advance!


DCU!

Message 2 of 11
gdale6
Moderator Emeritus

Re: Free EQ score?


@daybreakgonesXe wrote:

@clocktick wrote:

Are there any credit cards or credit unions that give you your monthly Equifax FICO?  Just wondering because I get TU and EX already.  Thanks in advance!


DCU!


+1

Message 3 of 11
-Wade-
Valued Contributor

Re: Free EQ score?


@clocktick wrote:

Are there any credit cards or credit unions that give you your monthly Equifax FICO?  Just wondering because I get TU and EX already.  Thanks in advance!


Who do you get EX from ?    sorry i can't  help you on the Free EQ question.

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 4 of 11
gdale6
Moderator Emeritus

Re: Free EQ score?


@Wade64 wrote:

@clocktick wrote:

Are there any credit cards or credit unions that give you your monthly Equifax FICO?  Just wondering because I get TU and EX already.  Thanks in advance!


Who do you get EX from ?    sorry i can't  help you on the Free EQ question.


FNBO if you are in their service area or get pre-app from them, also PSECU if live in PA

Message 5 of 11
-Wade-
Valued Contributor

Re: Free EQ score?


@gdale6 wrote:

@Wade64 wrote:

@clocktick wrote:

Are there any credit cards or credit unions that give you your monthly Equifax FICO?  Just wondering because I get TU and EX already.  Thanks in advance!


Who do you get EX from ?    sorry i can't  help you on the Free EQ question.


FNBO if you are in their service area or get pre-app from them, also PSECU if live in PA


I can't get into either of them.

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 6 of 11
kroberts67
Established Contributor

Re: Free EQ score?

DCU.  Also, by requesting a Cap1 CLI online you'll get a document the next day with your EQ FICO although it will be old (anywhere from a few weeks to a month and a half old).

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey
Message 7 of 11
clocktick
Valued Contributor

Re: Free EQ score?


@Wade64 wrote:

@clocktick wrote:

Are there any credit cards or credit unions that give you your monthly Equifax FICO?  Just wondering because I get TU and EX already.  Thanks in advance!


Who do you get EX from ?    sorry i can't  help you on the Free EQ question.


PSECU - I got in before you had to be a resident.  I'll look into DCU, thanks!

 

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Message 8 of 11
clocktick
Valued Contributor

Re: Free EQ score?

Okay, with DCU I see you can donate to different places and become a member.  However, receiving the FICO it states, :

 

How you qualify

You are eligible to receive your free FICO credit score every month that you qualify for Plus or Relationship benefits on your DCU Checking Account.

 

So to have a Plus or Relationship benefit you need to have at least 2 of the following:

 

  1. Direct deposit of your net pay, Social Security, or pension to your DCU checking account.
  2. Receive all your DCU monthly account and loan statements electronically.
  3. Have an active loan with DCU (e.g. Visa credit card, auto loan, mortgage, equity loan).

--------

 

It seems like you cannot receive your FICO unless you obtain all of that.  Is this accurate and enforced or do people tend to get it anyway?  Any other places to get your EQ FICO?

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Message 9 of 11
kroberts67
Established Contributor

Re: Free EQ score?


@clocktick wrote:

Okay, with DCU I see you can donate to different places and become a member.  However, receiving the FICO it states, :

 

How you qualify

You are eligible to receive your free FICO credit score every month that you qualify for Plus or Relationship benefits on your DCU Checking Account.

 

So to have a Plus or Relationship benefit you need to have at least 2 of the following:

 

  1. Direct deposit of your net pay, Social Security, or pension to your DCU checking account.
  2. Receive all your DCU monthly account and loan statements electronically.
  3. Have an active loan with DCU (e.g. Visa credit card, auto loan, mortgage, equity loan).

--------

 

It seems like you cannot receive your FICO unless you obtain all of that.  Is this accurate and enforced or do people tend to get it anyway?  Any other places to get your EQ FICO?


That is correct.  You need to have 2 of the options going.  I chose e-notices, and since I was denied their VISA I had my employer start DD with just part of my paycheck.  The rep at DCU advised that the FICO's will kick in if I have around 500-600 in DD.  I had it started then called them immed after my first DD and it kicked in for that month.  You'll get the FICO score in your inbox the last Fri of each month.  Keep in mind to open membership with them it's a HP and not always immed.  Mine took about 3 weeks plus to get set up.

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey
Message 10 of 11
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