Credit Card Center Advertiser Disclosure†
09-27-2012 02:01 PM
Equifax will give you FICO scores but also give you a non-FICO score. Make sure you are getting one of their products that provides a FICO score. I haven't looked at them in a while, so maybe you have already checked that.
09-27-2012 02:12 PM - edited 09-27-2012 02:16 PM
What's the name of the product?
ETA: http://www.equifax.com/all-products/ Look at the bottom. You'll see the ones that give you a FICO score.
09-27-2012 02:18 PM
See edit above. If you can refresh the score every day, I doubt it's a FICO score. It's probably their Equifax Credit Score, which is a FAKO. See the fine print below the products on this page:
"Unless otherwise noted, any credit score provided as part of the products described herein makes use of the Equifax Credit Score. Click here to view products that feature the FICO® Score"
09-27-2012 02:23 PM
Not a FICO score. Use it for the reports but ignore the score and ignore the advice that comes with it about how to improve your score.
For a credit monitoring service, it's not bad, but there are probably some cheaper options. I like eliminateidtheft.com. It allows daily pulls for all three reports. I signed up for the plan for $180 per year by paying it all at once and it allows for my wife to pull as well. So basically $15/month for both me and my wife to pull all three every day.