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Buying Equifax scores……..

Regular Contributor

Buying Equifax scores……..

I understand this site has reliable EQuifax scores.

and it does not sell EXperian.

As far as Experian other than what the lenders incude in their letters when you apply for their cards

where else can you get reliable scores?

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Message 1 of 11
10 REPLIES
Established Contributor

Re: Buying Equifax scores……..

only other choice is if you live in PA for PSECU credit union, there is no other way.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 2 of 11
Established Contributor

Re: Buying Equifax scores……..

Walmart Card give you a free TU08 score free on your statement.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico)XP 735 (FAKO)
Updated scores 05/01/17 EQ 824, TU 812 EXP 810 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience
Message 3 of 11
Regular Contributor

Re: Buying Equifax scores……..

Interesting.

When I received the FICO scores that the CCC's included when I got my new cards  they were higher than the FICO scores I purchased.

I thought it would have been just the opposite.

 

 

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Message 4 of 11
Valued Contributor

Re: Buying Equifax scores……..

There are many types of FICO scores, and there are also internal scoring models.  So if you want to let us know what the letters say, perhaps we can help sort out the discrepancies.


In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 5 of 11
Valued Contributor

Re: Buying Equifax scores……..

Since you have Amex, I would get CreditSecure with them. The scores are pretty close to FICO and it's from Amex Smiley Surprised

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 6 of 11
Frequent Contributor

Re: Buying Equifax scores……..

M&T Bank offers monthly EQ Fico score (same one that is offered here i believe) for $2.99/month. 

Message 7 of 11
Moderator Emeritus

Re: Buying Equifax scores……..


Mike360 wrote:

M&T Bank offers monthly EQ Fico score (same one that is offered here i believe) for $2.99/month. 


Yep...just checked mine.

Message 8 of 11
Moderator Emeritus

Re: Buying Equifax scores……..


armbenderc wrote:

Since you have Amex, I would get CreditSecure with them. The scores are pretty close to FICO and it's from Amex Smiley Surprised


Amex doesn't provide the scores. Experian supplies the scores as a resell of one of their older products. Scores are PLUS scores. IME, they were within 70 pts.

Message 9 of 11
Regular Contributor

Re: Buying Equifax scores……..


llecs wrote:

Mike360 wrote:

M&T Bank offers monthly EQ Fico score (same one that is offered here i believe) for $2.99/month. 


Yep...just checked mine.


Do they include a monthly report or is it only a score?


Starting Scores: 667 EQ 09/2013 | 682 TU08 01/2014 | 689 EX 06/2014(via AMEX CLI)
Current Scores: 667 EQ 09/2013 | 735 TU08 12/2016 | 748 EX 12/2016

AMEX BCE $25K | AMEX Zync NPSL | Cap1 Quicksilver MC $6.9K | NFCU Visa Signature cashRewards $20K
NFCU NavChek $15K | PenFed Visa Platinum Cash Rewards $5.9K | Target Visa $11K | Comenity VS $6K | Walmart $4.5K
Message 10 of 11