Real FICO Scores

[onstar]

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@takeshi74 wrote:

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@onstar wrote:

Is there a credit card that provides real EX or EQ scores?

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Again, keep in mind that you can't just rely on "real".  Even with FICO's the specific scoring model matters.

Someone mentioned one option for what you're asking that provides a FICO 8 bankcard score.  That score is only useful if a creditor you're apllying to uses a FICO 8 bankcard score.  Some use FICO 8 which is not the same thing (again, refer to the Understanding FICO Scoring subforum and its stickies).  If a creditor uses FICO 8 then a FICO 8 bankcard score isn't relevant as it's not the same scoring model.

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Understood. I just wanted to see where I could get some "free" credit scores.

I'm in the camp that having to pay for MY credit scores is ridiculous.

[princessminor]

Strange since my score for Discover is vastly different from Merrick, so they can't be using the same method.

[Anonymous]

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@princessminor wrote:

Strange since my score for Discover is vastly different from Merrick, so they can't be using the same method.

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They aren't. Merrick uses Fico 08 Bankcard enhanced.

[Anonymous]

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