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Free Fico scores from Barclay!

Mega Contributor

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. 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 51 of 258
Senior Contributor

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.Smiley Embarassed


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!!

Message 52 of 258
Frequent Contributor

Re: Free Fico scores from Barclay!


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.

[10%+] Internet, Cable, Cell phone
[5%] Gas, Grocery, Amazon, Airline tickets, Drug Stores, Dept. Stores, Target, MyHabit
[3%] Restaurants
[2%] Everything Else
Message 53 of 258
Super Contributor

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 Smiley LOL

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 54 of 258
Valued Contributor

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.

Message 55 of 258
Senior Contributor

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 Smiley LOL


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

Message 56 of 258
Frequent Contributor

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.

[10%+] Internet, Cable, Cell phone
[5%] Gas, Grocery, Amazon, Airline tickets, Drug Stores, Dept. Stores, Target, MyHabit
[3%] Restaurants
[2%] Everything Else
Message 57 of 258
Established Contributor

Re: Free Fico scores from Barclay!

This is what it shows under tools & education

 

EQ 773 * EX 786 * TU 797
Message 58 of 258
Frequent Contributor

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)



Message 59 of 258
Established Contributor

Re: Free Fico scores from Barclay!

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

EX839:2[23;16] TU848:0 EQ(Fico8BC)885:0
Message 60 of 258