Reply
Regular Contributor
James82
Posts: 194
Registered: ‎08-23-2013
0

Where to purchase FICO scores so I have a base starting point?

I've been searching and searching and can't come up with a good answer. Seems as though most people say you're better off getting the reports, which I did. I also see a lot of people with FICO scores listed as their starting scores so I know people are doing it.....

 

I'm interested in purchasing FICO scores so that I have an accurate starting score to base my progress on.

 

Recommendations? I've used CS and CK for FAKOs but was hoping to get some numbers that are a bit more accurate. I've done the annualcreditreport.com for my reports so I know what I need to work on.

 

Thanks!

 

Nick

Starting Score: EQ 574 - 08.28.13
High Score: EQ 714 (10/18/13) EX 686 (1/6/14) TU 664 (1/6/14)
Current Score: EQ 686 - EX ____- TU ____

            
Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Where to purchase FICO scores so I have a base starting point?


James82 wrote:

I've been searching and searching and can't come up with a good answer. Seems as though most people say you're better off getting the reports, which I did. I also see a lot of people with FICO scores listed as their starting scores so I know people are doing it.....

 

I'm interested in purchasing FICO scores so that I have an accurate starting score to base my progress on.

 

Recommendations? I've used CS and CK for FAKOs but was hoping to get some numbers that are a bit more accurate. I've done the annualcreditreport.com for my reports so I know what I need to work on.

 

Thanks!

 

Nick


Not many places where you can purchase FICO scores, other than here.   Equifax will sell you a FICO score, but it's not easy to find on their website.   The other CRAs don't sell FICO scores to consumers.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Regular Contributor
James82
Posts: 194
Registered: ‎08-23-2013
0

Re: Where to purchase FICO scores so I have a base starting point?

Would it be best to go through myFico then? I see they have a free 10 day trial of score watch which includes a FICO score? (Equifax score right?)

Starting Score: EQ 574 - 08.28.13
High Score: EQ 714 (10/18/13) EX 686 (1/6/14) TU 664 (1/6/14)
Current Score: EQ 686 - EX ____- TU ____

            
Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Where to purchase FICO scores so I have a base starting point?

 

Yep, the scorewatch free trial is for EQ.   And if you do sign up for the free trial and decide to cancel, make sure that you are within the 10 day window to avoid being charged.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Regular Contributor
James82
Posts: 194
Registered: ‎08-23-2013
0

Re: Where to purchase FICO scores so I have a base starting point?

Ugh. Maybe I shouldn't have looked. :smileyfrustrated:

Starting Score: EQ 574 - 08.28.13
High Score: EQ 714 (10/18/13) EX 686 (1/6/14) TU 664 (1/6/14)
Current Score: EQ 686 - EX ____- TU ____

            
Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Where to purchase FICO scores so I have a base starting point?


James82 wrote:

Ugh. Maybe I shouldn't have looked. :smileyfrustrated:


Your FICO score ?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Regular Contributor
James82
Posts: 194
Registered: ‎08-23-2013
0

Re: Where to purchase FICO scores so I have a base starting point?

Yeh 574. Ouch.
Starting Score: EQ 574 - 08.28.13
High Score: EQ 714 (10/18/13) EX 686 (1/6/14) TU 664 (1/6/14)
Current Score: EQ 686 - EX ____- TU ____

            
Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Where to purchase FICO scores so I have a base starting point?

 

Well at least you're at the right place to get some help and answers !   You'll get your score up, just takes time.....

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Valued Contributor
thom02099
Posts: 1,348
Registered: ‎08-30-2011
0

Re: Where to purchase FICO scores so I have a base starting point?

[ Edited ]

James82 wrote:
Yeh 574. Ouch.

That's one score.  If you want a true baseline for your scores, purchase the other 2 as well, right here at MyFICO.  Then you'll have a true sense of where you are and where you want to go.

 

You can get a discount on the FICO scores here when you purchase by using this promo code: 

 

E1308BDY20FST

 

Knocks the price down to $15.95.  For $31 bucks, it's money well spent.  You already have your EQ score, so just remember to cancel within the 10 day trial.

 

 EDIT:  One more thing...I've been where you are.  You CAN do it!  It takes time and perserverence, but it's definitely possible.  Just look at all the success stories here, and you can be one of them as well!

 

ONWARD AND UPWARD ! !

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 799 EQ = 812 TU = 811 - 11/2014
Regular Contributor
James82
Posts: 194
Registered: ‎08-23-2013
0

Re: Where to purchase FICO scores so I have a base starting point?

Is that $31 price just scores? I thought I seen when I was getting my reports they were around $5-$7 each. I want to get the other scores as well. I'll have to look around and see where exactly the option is to buy the other two here.
Starting Score: EQ 574 - 08.28.13
High Score: EQ 714 (10/18/13) EX 686 (1/6/14) TU 664 (1/6/14)
Current Score: EQ 686 - EX ____- TU ____

            

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}