Reply
New Contributor
TeeGee
Posts: 79
Registered: ‎06-26-2013

Free Credit Report dot com vs. my fico score

I have been paying free credit report for a couple of years now, and discover I have a much better FICO score with this service.  I think this is higher per month, but the value is better.  Any opinions?  My trial ends on July 5.  Thank you!!!


Amex $2K BankofAmer $2K CapPlatinum $2.5K Macys $1K Chase RR $16K CapQS $2.5K Discover $8.5K IN THE GARDEN til 6/1/2015
Beginning FICO 630 ish EQ 726/EXP 722/TU 748 (Jul) Goal 800
Moderator
Shogun
Posts: 12,884
Registered: ‎04-15-2011

Re: Free Credit Report dot com vs. my fico score

     It's been a matter of personal debate.  I will just put it this way.  When I apply for credit, they send me notification that the approval is based off my FICO score.  I've never seen any lender use a freecreditreport.com score.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
New Contributor
TeeGee
Posts: 79
Registered: ‎06-26-2013

Re: Free Credit Report dot com vs. my fico score

Is there only one service the "score watch"?  I saw another product called 'my fico' for $4.95 a month.  I suppose I should direct this to My Fico but if anyone knows, would appreciate answers before I commit.


Amex $2K BankofAmer $2K CapPlatinum $2.5K Macys $1K Chase RR $16K CapQS $2.5K Discover $8.5K IN THE GARDEN til 6/1/2015
Beginning FICO 630 ish EQ 726/EXP 722/TU 748 (Jul) Goal 800

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
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+