Are there any free sites that will give you credit scores?

[Anonymous]

I just realized that Credit Karma uses Vantage scores and not FICO. Although CK is good for credit reports, the credit score from Vantage isn't what I need. I need FICO. I currently have subscription to my FICO credit scores, but I need to know my fiance's scores. :/

[Anonymous]

creditchecktotal gives you fico - 7 days for $1. Ive been using them for a few months, re-upping on the $1 deal about 6 times.

[Anonymous]

Are they easy to cancel with?

[Anonymous]

Yes, cancel within 7 days, actually they give you up to 10 days.

[Anonymous]

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@Anonymous wrote:

I just realized that Credit Karma uses Vantage scores and not FICO. Although CK is good for credit reports, the credit score from Vantage isn't what I need. I need FICO. I currently have subscription to my FICO credit scores, but I need to know my fiance's scores. :/

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A number of different CC issuers now provide a FICO score on their account management page. Barclays, Walmart, Discover....

[Anonymous]

I have none of those cards. The score I receive from Capital One is almost 30 points lower than what I was advised in a denial letter.

[Anonymous]

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@Anonymous wrote:

I have none of those cards. The score I receive from Capital One is almost 30 points lower than what I was advised in a denial letter.

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The score from Capital One's credit tracker is not a FICO.

[Anonymous]

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@zumroff wrote:

creditchecktotal gives you fico - 7 days for $1. Ive been using them for a few months, re-upping on the $1 deal about 6 times.

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If you call to cancel they should offer you the service for 14.97 per month.  That will  give you daily updates on EX and you can update TU and EQ 3x a month.  

[Anonymous]

I went ahead and signed up for the trial and while my scores are low, they aren't as low as I thought. 635 Experian 618 Equifax and 610 Transunion. I have some work to do obviously, but I'm encouraged.

Incidentally, how accurate do you think their score predictor is? It's saying with on time payments, I could jump 35 points in 6 months.

[Anonymous]

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@Anonymous wrote:

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@zumroff wrote:

creditchecktotal gives you fico - 7 days for $1. Ive been using them for a few months, re-upping on the $1 deal about 6 times.

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If you call to cancel they should offer you the service for 14.97 per month.  That will  give you daily updates on EX and you can update TU and EQ 3x a month.  

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Thanks for the info though, this was truly helpful and gives me a good picture of what I need to do!