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Established Member
Layered
Posts: 36
Registered: ‎04-09-2013

Where to get Equifax scores for free?

[ Edited ]

EDIT: I'm looking for a website like Credit Karma and Credit Sesame. Is there a website that uses data from Equifax instead of Experian or TransUnion?

 

It doesn't seem like there is one that uses Equifax but if there is, please share!

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Where to get Equifax scores for free?

The scores you are getting from EX and CK are not FICO scores and are pretty much useless.

 

Same with EQ.  Even if there was a place to get it for free, which I am not sure of, it would not be a real FICO score.

Established Member
Layered
Posts: 36
Registered: ‎04-09-2013

Re: Where to get Equifax scores for free?


guiness56 wrote:

The scores you are getting from EX and CK are not FICO scores and are pretty much useless.

 

Same with EQ.  Even if there was a place to get it for free, which I am not sure of, it would not be a real FICO score.


Thanks for the reply but nowhere in my post I stated that I'm getting FICO scores from these and services offered by Experian is nothing but useless. I use free websites to double check various information and I'm very far from a credit newbie :smileyhappy:

 

Established Contributor
InvincibleSummer3
Posts: 640
Registered: ‎11-20-2012

Re: Where to get Equifax scores for free?

[ Edited ]

Why would you want a FAKO score, then? I'm puzzled. I could see wanting access to report information and/or changes, like CK and CS. But a score that is not used by lenders and serves no real purpose seems an odd request for a non-newbie.

 

You could try Quizzle, but it only updates every six months. And it is also non-FICO, so there's that.

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Where to get Equifax scores for free?

From your post I had no idea your weren't a "newbie" nor that you knew the difference between a FICO and a FAKO.  Unfortunately, many do not so I made an incorrect assumption that you did not either.  My sincere apologies.

Established Member
Layered
Posts: 36
Registered: ‎04-09-2013

Re: Where to get Equifax scores for free?

[ Edited ]

InvincibleSummer3 wrote:

Why would you want a FAKO score, then? I'm puzzled. I could see wanting access to report information and/or changes, like CK and CS. But a score that is not used by lenders and serves no real purpose seems an odd request for a non-newbie.

 

You could try Quizzle, but it only updates every six months. And it is also non-FICO, so there's that.


Ok maybe my original post was misleading. I'm looking for a website that uses data from Equifax and provides free reports just like CK and CS. Monitoring services provided by CK and CS aren't worthless. FAKO scores aren't worthless either as they can serve as a helpful educational tool and can also help people build credit. Also, Quizzle uses Experian, not Equifax.

 

I have 16 major credit cards and I applied for 7 more recently and got all 7 approved on the same day including a $20k CL Penfed Platinum Rewards card. My total credit limit is well over $200,000 and my FICO scores are in the 100th percentile.

 

I'm planning on making a thread with brief remarks for each issuer I've dealt with as soon as I get all the new cards and have things sorted out.

 


guiness56 wrote:

From your post I had no idea your weren't a "newbie" nor that you knew the difference between a FICO and a FAKO.  Unfortunately, many do not so I made an incorrect assumption that you did not either.  My sincere apologies.


 No need to apologize! My original post wasn't clear.

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Where to get Equifax scores for free?

Frequent Contributor
Countingpennies
Posts: 464
Registered: ‎02-14-2013

Re: Where to get Equifax scores for free?

I think that was discontinued.
Established Contributor
InvincibleSummer3
Posts: 640
Registered: ‎11-20-2012

Re: Where to get Equifax scores for free?

There's nothing free listed for EQ in the CMS thread...

 

http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Monitoring-Service-CMS-Guide/td-p/66254...

 

Digital CU will give a free score to members, but it's not exactly free, and no reports.

Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: Where to get Equifax scores for free?


InvincibleSummer3 wrote:

There's nothing free listed for EQ in the CMS thread...

 

http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Monitoring-Service-CMS-Guide/td-p/66254...

 

Digital CU will give a free score to members, but it's not exactly free, and no reports.


Admittedly it has been a year since I scoured the web for new CMSs. But I also troll several sites and never have seen a free EQ-based CMS.


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