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Mega Contributor
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Registered: ‎08-08-2011
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Re: Free Fico scores from Barclay!

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

Senior Contributor
Posts: 6,970
Registered: ‎01-05-2013
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Re: Free Fico scores from Barclay!


kkapdolee wrote:

FocusedAndDetermined wrote:

kkapdolee wrote:

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


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


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.

 


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

Frequent Contributor
Posts: 358
Registered: ‎09-17-2012
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Re: Free Fico scores from Barclay!

[ Edited ]

coldnmn wrote:

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


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.

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Community Leader
Senior Contributor
Posts: 26,659
Registered: ‎02-07-2013
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Re: Free Fico scores from Barclay!


FocusedAndDetermined wrote:

coldnmn wrote:

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


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

 

@myjourney

 

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


Lol me too 

looking for info :smileylol:

"Intelligence plus character--that is the goal of true education"
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Valued Contributor
Posts: 1,954
Registered: ‎01-24-2012
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Re: Free Fico scores from Barclay!

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.

Senior Contributor
Posts: 6,970
Registered: ‎01-05-2013
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Re: Free Fico scores from Barclay!


myjourney wrote:

FocusedAndDetermined wrote:

coldnmn wrote:

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


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

 

@myjourney

 

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


Lol me too 

looking for info :smileylol:


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

Frequent Contributor
Posts: 358
Registered: ‎09-17-2012
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Re: Free Fico scores from Barclay!


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.


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.

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Established Contributor
Posts: 602
Registered: ‎09-27-2013
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Re: Free Fico scores from Barclay!

This is what it shows under tools & education

 

Frequent Contributor
Posts: 356
Registered: ‎11-16-2012
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Re: Free Fico scores from Barclay!

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?


12/28/13 (Garden Start Date)



Regular Contributor
Posts: 232
Registered: ‎06-21-2012
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Re: Free Fico scores from Barclay!

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

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