Free Fico scores from Barclay!

[coldnmn]

Most use 04 but more and more are using 08. I don't believe there is a huge difference between the two. 

[FocusedAndDetermined]

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@kkapdolee wrote:

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@FocusedAndDetermined wrote:

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@kkapdolee wrote:

If it matched Walmart FICO then it's probably TU FICO 08 Classic.

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Is that the one you get if you purchase it from here?  I'm not well versed in the different versions.

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The one you purchase on MyFico.com is TU 98 Classic.

In summary, there are 6 places where you can get Free FICO scores.

Walmart CC: TU 08 Classic

DCU checking + CC: EQ 04 Classic

Merrick CC: TU 08 Bankcard Enhanced.

PSECU CC: EX 04 Classic (Need to be a pennsylvania resident to join)

FNBO CC: EX 08 Bankcard Enhanced

Barclay's CC: TU 08 Classic

Below is a table I put together of all the different FICO versions (49 of them), where you can obtain them, and which lenders pulls them. Hope it helps.

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Wow - that's detailed and does help.  Thanks!!

[kkapdolee]

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@coldnmn wrote:

Most use 04 but more and more are using 08. I don't believe there is a huge difference between the two. 

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I think there is a huge difference between the two especially if you're new to credit.

I have a credit history of 2 years and 3 months with AAoA of 9 months.

Last 04 score that was pulled was EQ with 681.

Last 08 EX was 757 (pulled the same day as EQ 04).

Last 08 pulled was TU with 762.

I checked the CR and they are identical except for a few inquiries difference but no where near enough to cause that big of a difference if they were truely similar.

[myjourney]

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@FocusedAndDetermined wrote:

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@coldnmn wrote:

TU 08 is a true Fico but newer then what is sold here.

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What do most lenders use/pull?  That's what matter most.

@myjourney

I'm just gatering information.  Please, no dispatch!!

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Lol me too 

looking for info 

[navigatethis12]

I reckon all of these people finally realised that since they're paying for it anyway when they soft the reports, they should just let the customer see it.

[FocusedAndDetermined]

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@myjourney wrote:

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@FocusedAndDetermined wrote:

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@coldnmn wrote:

TU 08 is a true Fico but newer then what is sold here.

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What do most lenders use/pull?  That's what matter most.

@myjourney

I'm just gatering information.  Please, no dispatch!!

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Lol me too 

looking for info 

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Ok, I just don't want to see gators snapping at my heels.

[kkapdolee]

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@navigatethis12 wrote:

I reckon all of these people finally realised that since they're paying for it anyway when they soft the reports, they should just let the customer see it.

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Actually, I think there was an article back in 2011 in which the CEO? or someone from FICO said they are pushing banks to start offering their customers free FICO scores.

Personally, I don't know why they didn't do so earlier. They SP you all the time. It would be so easy for them to show you your score right now.

[MoreRewards]

This is what it shows under tools & education

[ac921ol]

Does it work with sallie Mae? And is this a Fico or Fako, I see people say Fico 08, but no idea what that means?

[noobody]

i have a NFL card, got my score after the url trick thanks a lot