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I see all these scores being updated, where is a consumer able to obtain this info? I've got Credit Karma but I hear that's a FAKO score, how are you all seeing your FICOs? I'd love to know where I'm at, but don't want to apply for anything until I think we can get our mortgage pre approval.
Am I missing something or is the info all based off of approvals of credit?
thank you!
@Anonymous wrote:I see all these scores being updated, where is a consumer able to obtain this info? I've got Credit Karma but I hear that's a FAKO score, how are you all seeing your FICOs? I'd love to know where I'm at, but don't want to apply for anything until I think we can get our mortgage pre approval.
Am I missing something or is the info all based off of approvals of credit?
thank you!
There are cards that provide them:
EX: FNBO Provides Fico 8 Bankcard Score monthly; PSECU Provides Fico 04 monthly
TU: Walmart & Discover Provide Fico 8 monthly, Barclays every 10 weeks or so does as well
EQ: DCU Provides Fico score with checking or credit card.
Some of the scores I post are Fakos: Credit Sesame, MPM that I post is the same as Credit Karma.
I will also post Ficos that I obtain from recent CC approvals.
Ive been using creditsesame, creditkarma and quizzle to update my FAKO's for the FICOs Ive just been going off of my decline letters from companys Except comenity and amex, theirs is different it seems.
Cap1 does give me a monthly score but I havent bothered to figure out what it is, credit one does it too but takes forever to update. Few other cards give periodic updates to "fico" scores. (I use quotes because I have no idea if they are real ficos)
I get my EX score from PSECU.
I get my TU score from Barclays. Before I had this account, I used to occasionally (every few months), do a TU pull from myFICO.
I get my EQ score from myFICO ScoreWatch, which is the best FICO monitoring sevice currently available to consumers.
I beleive the score CapitalOne provides is their vantage score(FAKO). Barclaycard provides the TU FiCO score. SInce I'm signed up with score watch with myfico, I get my EQ FICO score update each time somemthing happens with my report.
769 ⋅ INQs: 6 | 774 ⋅ INQs: 5 | 764 INQs: 8 | UTIL: 2% | AAoA: 5yr 8mos | Total Credit Line: $873,950 |
Fox, keep in mind that even if you did purchases your scores here they may not be a good indicator of what a mortgage lender would pull. My Fico EQ used to be the 04 model, which mortgage lenders pull, but now it is the 08 model. TU on here is 98 model, which most lenders don't use so it's pretty useless. The free TU you get with say Barclays or Cap 1 is TU 08, which CC lenders use, but not mortgage lenders! Consumers can't really buy the scores mortgage lenders use. You can still get 'EQ 04 in some place though.
Vist sit the mortgage boards for more on this or do a forum search.
The important thing is to know what's in your reports and clean them up. A good score is only an indicator of your file - as you get baddies off it will go up. I use My Fico to track what is now my EQ 08 score. I'm soon to be looking for a mortgage, so for that I pull my score from the EQ website, buying their Scorepower product, which IS 04. But you can really go crazy with the difference in scores - I also get my score from Barclays, Cap 1, Citi, and CK and there's so much variation, I've tried not to focus on the score, and more on the report. Tried
Here is what I do to stay on top of scores and reports, although I admit not the cheapest:
TU08: FICO score from Discover one a month. Barclay FICO score once every ten weeks or so.
EQ 08: I subscribe to myFICO ScoreWatch. I set the target score to whatever my current EQ sscore is, therefore notified anytime there is a score change. Also notified of any changes to the report.
EXP 08: Every month or two I pull this score through myFICO. There is almost always a 20% off promo code out there that I use.
EQ 04: My 04 score is usually about 30 points lower than my 08 scores, so I pull this every two to three months from Equifax Score Power. There is usually a 20% off promo code out that there I typically use.
Report Monitoring: I subscribe to MPM/EIDT. They allow daily pulls, however I typically only pull every two or three days. I disregard the scores from MPM.