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

Regular Contributor

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 ____

            
Message 1 of 18
17 REPLIES
Super Contributor

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
Message 2 of 18
Regular Contributor

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 ____

            
Message 3 of 18
Super Contributor

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
Message 4 of 18
Regular Contributor

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

Ugh. Maybe I shouldn't have looked. Smiley Frustrated

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 ____

            
Message 5 of 18
Super Contributor

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


James82 wrote:

Ugh. Maybe I shouldn't have looked. Smiley Frustrated


Your FICO score ?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 6 of 18
Regular Contributor

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 ____

            
Message 7 of 18
Super Contributor

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
Message 8 of 18
Valued Contributor

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


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 ! !

EX = 849 EQ = 850 TU = 850 as of 07/2017
Retired and Retiring Cards!
Message 9 of 18
Highlighted
Regular Contributor

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 ____

            
Message 10 of 18