trick to getting free/low-cost FICO scores monthly or quaterly

[gen-specific]

Hello, I recently cancelled a credit score reporting service I was using because they were only giving me scores "based off" FICO and of course I don't know which FICO they were using and neither did the pencil pushers in customer support

It was useful at one point and had all three scores for me.

So now I have a puzzle to fill in, I need FICO scores at an interval for Equifax, Transunion and Experian, how can I get them?

Barclayscard offers me my Transunion FICO score monthly for free, and based on their disclaimers I'm convinced it is the actual FICO (but will I will remedy this if it is not)

myFICO score watch Equifax FICO score monitory for $14.95 a month

leaving the Experian score to be desired

So with Barclayscard I already get Transunion

AMEX gives a FACO for Experian, so thats discouraging.

What services can I get for a pay-once/monthly, get all 3 scores at an interval for no additional charge

 I am almost "done" with acquiring credit limits and stuff, unless they slash all my limits, but this information is still useful to me.

[mongstradamus]

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@gen-specific wrote:

Hello, I recently cancelled a credit score reporting service I was using because they were only giving me scores "based off" FICO and of course I don't know which FICO they were using and neither did the pencil pushers in customer support

It was useful at one point and had all three scores for me.

So now I have a puzzle to fill in, I need FICO scores at an interval for Equifax, Transunion and Experian, how can I get them?

Barclayscard offers me my Transunion FICO score monthly for free, and based on their disclaimers I'm convinced it is the actual FICO (but will I will remedy this if it is not)

myFICO score watch Equifax FICO score monitory for $14.95 a month

leaving the Experian score to be desired

So with Barclayscard I already get Transunion

AMEX gives a FACO for Experian, so thats discouraging.

What services can I get for a pay-once/monthly, get all 3 scores at an interval for no additional charge

 I am almost "done" with acquiring credit limits and stuff, unless they slash all my limits, but this information is still useful to me.

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if you are member of psecu or have fnbo card, I think they offer an ex fico . 

[Carrie_in_Pa]

Definitely check with your bank. I just found out that M&T bank gives the beacon 5.0 score for $2.99 a month. Not free but not anything for me to whine about and it's the same score they use for loans.

[user5387]

DCU - EQ 04

PSECU - EX 04

[gen-specific]

hm so far kind of discouraging

I guess I'll just stick with the free annual report and then maybe pay for a 6 month one

while using my transunion score as a general reference to what the others will be even though they've been 50 points apart before

[takeshi74]

Differences in scores is a very common topic.  Unless you can ensure that the data and scoring models are identical scores can differ.  Data can differ not only from one date to another but from CRA to CRA as well.  Even FICO has a number of models in use so getting a FICO doesn't ensure that the score you get is the score a given creditor will use.  That's why I recommend focusing on data in your reports versus fixating on specific numbers.  Scores are based on data in your reports.  Good reports will lead to good scores.

[gen-specific]

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@takeshi74 wrote:

Differences in scores is a very common topic.  Unless you can ensure that the data and scoring models are identical scores can differ.  Data can differ not only from one date to another but from CRA to CRA as well.  Even FICO has a number of models in use so getting a FICO doesn't ensure that the score you get is the score a given creditor will use.  That's why I recommend focusing on data in your reports versus fixating on specific numbers.  Scores are based on data in your reports.  Good reports will lead to good scores.

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thanks so you are also aware that having an actual FICO 08 score is also a leading indicator what all of the other scores will be