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Regular Contributor
Posts: 193
Registered: ‎07-17-2012
0

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)
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

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
Established Contributor
Posts: 760
Registered: ‎02-11-2012
0

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) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
Regular Contributor
Posts: 193
Registered: ‎07-17-2012
0

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)
Valued Contributor
Posts: 1,597
Registered: ‎09-15-2012
0

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) $32,000, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

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 :smileysurprised:

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%
Frequent Contributor
Posts: 436
Registered: ‎03-19-2010
0

Re: Buying Equifax scores……..

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

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

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.

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

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 :smileysurprised:


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.

Regular Contributor
Posts: 222
Registered: ‎10-25-2010
0

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 | 685 EX 03/2013(via AMEX App)
Current Scores: 667 EQ 09/2013 | 674 TU08 01/2015 | 689 EX 06/2014(via AMEX CLI)

AMEX BCE $12.3K | AMEX Zync NPSL | Cap1 Quicksilver MC $3.9K | NFCU Visa Signature cashRewards $20K
NFCU NavChek $15K | Target Visa $5K | Comenity VS $3K | Walmart $4.5K
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