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.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO