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Moderator Emeritus
MarineVietVet
Posts: 14,116
Registered: ‎07-14-2009
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Re: Credit Score scam!!

So........have we decided whether you can or can't buy just the EQ FICO score and report without having to purchase the $12.95 per month Score Watch?

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llecs
Posts: 32,881
Registered: ‎08-04-2007
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Re: Credit Score scam!!


marinevietvet wrote:

So........have we decided whether you can or can't buy just the EQ FICO score and report without having to purchase the $12.95 per month Score Watch?


I posted a follow-up. The only way to get any EQ FICO product from EQ is via their SW version. You cannot buy an EQ report and FICO score from EQ despite saying otherwise on the product.

Moderator Emeritus
MarineVietVet
Posts: 14,116
Registered: ‎07-14-2009
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Re: Credit Score scam!!


llecs wrote:

marinevietvet wrote:

So........have we decided whether you can or can't buy just the EQ FICO score and report without having to purchase the $12.95 per month Score Watch?


I posted a follow-up. The only way to get any EQ FICO product from EQ is via their SW version. You cannot buy an EQ report and FICO score from EQ despite saying otherwise on the product.


Isn't that what I said originally???  :smileytongue:

 

But I'm glad that I wasn't telling people the wrong thing.

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
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Re: Credit Score scam!!


marinevietvet wrote:

llecs wrote:

marinevietvet wrote:

So........have we decided whether you can or can't buy just the EQ FICO score and report without having to purchase the $12.95 per month Score Watch?


I posted a follow-up. The only way to get any EQ FICO product from EQ is via their SW version. You cannot buy an EQ report and FICO score from EQ despite saying otherwise on the product.


Isn't that what I said originally???  :smileytongue:

 

But I'm glad that I wasn't telling people the wrong thing.


I was a doubting Thomas. BTW, did we TJ anyone? If so, sorry. :smileysad:

Moderator Emeritus
MarineVietVet
Posts: 14,116
Registered: ‎07-14-2009
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Re: Credit Score scam!!


llecs wrote:

I was a doubting Thomas. BTW, did we TJ anyone? If so, sorry. :smileysad:


Let's call it a "natural progression" shall we?  :smileyhappy:

 

But I don't think we TJ'ed this. The original post was all about confusion with credit scores. We are just trying to be less confused.

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
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Re: Credit Score scam!!


Sam-E wrote:

On December. 30 2010 I checked my Equifax credit score through 5 different sources that claim to give you an Equifax credit score. All 5 sources gave me a different score ranging from 563-682 and everything in between. Equifax told me that they don't figure the score that it comes from Fair Isaac FICO. I checked my score at creditreport.com, trucreditreport.com, myfico.com, equifax.com and had citi financial check it supposedly from Equifax and all of the scores were way different on the same day. FICO score is just another version of the old shell game, con game. It's nothing but smoke and mirrors and the biggest scam ever perpetrated on the American public. It doesn't really matter what you do you score is going to change, probably so that the crooked credit card companies can charge you %25 interest when they want to.


Sorry for the TJ, OP. Certainly if you checked your EQ score from Equifax.com, then for sure it wasn't a FICO score even if it said "FICO" on the registration page as indicated in a prior post.

 

For sure the scores from creditreport.com, Truecredit, Equifax.com, and Citi's product are all non-FICO scores (aka FAKO). Ignore those. The one from myFICO is a FICO. Because all of these FAKO scores have different ranges and different criteria as to what goes into them, they will vary from score to score and they'd never match what a mortgage lender would use. They are nothing more than marketing score, IMO. I'd stop short of saying it's a scam, based on the assumption they are trying to compete with FICO, but nobody is using them.

 

It's up to us to become credit saavy enough to know that a Volkswagen isn't the same as a Maserati.

Senior Contributor
BungalowMo
Posts: 4,237
Registered: ‎05-01-2008
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Re: Credit Score scam!!

[ Edited ]

Scorewatch is the same info whether you get it here or on the Equifax site.  The BIG difference....here you can use the discount codes found online, and you can also use those codes to purchase the TU FICO, and here...they are both in one handy place on the same page.

 

And on EQ & TU"cs" you don't have all the wonderful camaraderie like you have here.  It's so totally win-win!  :smileywink:

 

 

And lastly...here you know for a fact it's not a FAKO, which is most important of all.



Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

Valued Contributor
my-own-fico
Posts: 1,237
Registered: ‎01-05-2010
0

Re: Credit Score scam!!

 


llecs wrote:

 

A FICO score purchase is available w/ a report ($15.95) without purchasing EQ's SW version:


 

Something like this?

 

dh-eq-fico.png

 

The lost luggage office’s trained professional, “Has your plane arrived yet?”
Moderator Emeritus
MarineVietVet
Posts: 14,116
Registered: ‎07-14-2009
0

Re: Credit Score scam!!

So is that where you end up after these 2 screens?

 

original.jpg

 

 

original2.jpg

 

Regular Contributor
ferrari
Posts: 192
Registered: ‎07-21-2010
0

Re: Credit Score scam!!

So it is a FICO score after all?

 

There is actually a coupon code for SW at Equifax. I forgot where I got it from or what it was but I am paying like 6-7 dollars/month. Also. I don't believe it's the exact same product as the one here as it updates more consistently. That's why after comparing both for a couple of months I canceled myfico's SW and kept equifax's. I wish myfico offered something similar for TU though


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.

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