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Contributor
Posts: 91
Registered: ‎06-26-2013
0

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 $6K 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 732/EXP 735/TU 753 (Aug) Goal 800
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Posts: 13,758
Registered: ‎04-15-2011
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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+
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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!
Contributor
Posts: 91
Registered: ‎06-26-2013
0

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 $6K 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 732/EXP 735/TU 753 (Aug) Goal 800
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