cause its free. free beats $20... I think you're right about one thing, your US bank score is no big deal
@anybodii wrote:To each's own, but I think I'd rather apply for a card I'd use either for rewards, building credit, or some other reason that makes sense...
Yes, The USBank score is provided by EX so its a FAKO, but its free and its close enough to the FICO I need for now. If I needed to know my FICO ( For a real reason like getting a loan..), I'd go to my bank ( USBank ) and they'd tell me for $0
You're right, to each his own. You'll app for a card to earn rewards, or building credit or whatever while someone else will app for the walmart card to get their TU Score. So each person has their OWN reason for app'ing for whatever card. As consumers, we should be able to access these scores that control our lives for free anyways, but that's not the way of the FICO world. So to educate ourselves and be prepared when applying for some type of credit we want to know where we stand. So for many people, it does make sense to get your free FICO score vs some FAKO score that tells you and gets you nothing and build their credit at the same time. Every card has it's purpose. And if US Bank gives you a score for free without applying for credit or an inquiry, that's great. That's the kind of information you should bring here. Just like the information on the free TU FICO scores was shared for anyone interested.
