Reply
Highlighted
Regular Contributor
Posts: 183
Registered: ‎08-18-2007
0

Equifax Credit Scoring

Guys,

 

I currently have 3-in-1 Monitoring + One FICO® Score with Equifax but this report doesnt update my FICO score on a continous basis.

 

Any ideas where can I subscribe to monitor my FICO score on a continous basis?

 

Thanks

 

Ed 

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Equifax Credit Scoring

Unfortunately, there really isn't a product that updates any FICO score on a regular basis, or at least no more frequently than CW as provided in that link. There are only 2 monitoring products for your FICO score. One is ScoreWatch for EQ only and that is basically the same as CreditWatch, except that it is a bit cheaper but doesn't monitor EX or TU. If you aren't happy with CreditWatch, you won't be happy with SW.

 

The other is FICO Quarterly Monitoring (TUQM) which is basically a pre-paid plan for your TU FICO score and paying monthly of just under $5 gets you a new TU FICO report every 3 months.

 

IMO, the most surest way to monitor your FICO score is to subscribe to a credit monitoring service that allows you to pull all 3 reports on a daily basis. I personally use creditchecktotal and NatCity's ID Protect (or whatever they call it now). Both allow you to pull a new report every 24 hours and with that you can see real-time changes to your reports. Now they provide scores, but they aren't FICO scores. As you see a change on that report, then come back to myFICO to pull your TU or EQ FICO report to see that score change, if any.

Member
Posts: 17
Registered: ‎10-07-2009
0

Re: Equifax Credit Scoring

Equifax has several packages.  See http://www.equifax.com/compare-products/.  I can't remember which one I have, but I can look at my score anytime, and ca pull a report, but that may be limited to some number per year.  You can look at your score any time.  But BEWARE!  The tab that says Credit Score will most likely be somewhere back in geological time.  Mine is dated March 3, 2009.  The tab that says Score Watch will give you your Equifax score up to date, and you can set your target score & they'll email you when it goes to that.  Also, they send you notices if your score goes down.  Note that if you pull a report, it won't give you your score.  In my program, I can get 3 3-in-1 reports & after that I have to pay $19.95 for them.  As far as I know, there's no way to see the other 2 scores.

 

I checkes my score on MyFico, but it was way off Equifax's.  

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.