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coldnmn
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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. 

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FocusedAndDetermined
Posts: 6,420
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
kkapdolee
Posts: 355
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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myjourney
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:

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Valued Contributor
navigatethis12
Posts: 1,952
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.

Valued Contributor
FocusedAndDetermined
Posts: 6,420
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
kkapdolee
Posts: 355
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
MoreRewards
Posts: 587
Registered: ‎09-27-2013
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Re: Free Fico scores from Barclay!

This is what it shows under tools & education

 

Frequent Contributor
ac921ol
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?


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Regular Contributor
noobody
Posts: 220
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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