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Equifax score

Regular Contributor

Equifax score

Where can we find the real Equifax score for free except for credit check total? I am tired of getting the free trial for a week then hassling to call to cancel....
Message 1 of 12
11 REPLIES
Established Contributor

Re: Equifax score

An app for iphone I have called "lenny" does this. Free EQ fico once per month. They operate in Cali I believe. Even with no account with them I get an updated fico on 15th of month. If no iphone see if they create an app for other phones.
Message 2 of 12
Valued Contributor

Re: Equifax score

Lemmy discontinued the free EQ score this month.  Unless you have an open credit line with them.

 

Fingerhut offers free monthly EQ with their rebuilder store card.  You can get it using the SCT method (no hard inquiry, usually!).

FICO8FICO8Visit my posts:
03/1712/17My 11 Rules to Credit RebuildingFree FICO Scores!
550EX
570TU
559EQ
710EX
701TU
734EQ
FICO alert: why did my credit score drop???
Message 3 of 12
Contributor

Re: Equifax score

Citi does also
Message 4 of 12
Regular Contributor

Re: Equifax score

Hmm, Citi does Equifax.  Interesting, cuz MyFICO has my Equifax score at 735, Citi has it at 746.  Which is it?  Those are both updated scores SUPPOSEDLY.  MyFICO TU is 758 and EXP 797?  What gives with EQ?


FICO 8 09/21/2016 TU 715, EQ 727, EXP 711
FICO 8 12/14/2016 TU 717, EQ 730, EXP 713
FICO 8 03/17/2017 TU 721, EQ 730, EXP 733
FICO 8 12/08/2017 TU 757 EQ 734 EXP 798
Message 5 of 12
Valued Contributor

Re: Equifax score

CITI's EQ isn't FICO8 but another flavor of FICO.

 

From Citi's website: https://www.cardbenefits.citi.com/Products/FICO-Score

 

Your FICO® Score is calculated based on data from Equifax using the FICO® Bankcard Score 8 model and is the same score we use, among other information, to manage your account.  This model has a FICO® Score range from 250 through 900.

FICO8FICO8Visit my posts:
03/1712/17My 11 Rules to Credit RebuildingFree FICO Scores!
550EX
570TU
559EQ
710EX
701TU
734EQ
FICO alert: why did my credit score drop???
Message 6 of 12
Regular Contributor

Re: Equifax score

Oh OK, still confusing, but OK.


FICO 8 09/21/2016 TU 715, EQ 727, EXP 711
FICO 8 12/14/2016 TU 717, EQ 730, EXP 713
FICO 8 03/17/2017 TU 721, EQ 730, EXP 733
FICO 8 12/08/2017 TU 757 EQ 734 EXP 798
Message 7 of 12
Valued Contributor

Re: Equifax score

It's like comparing the SAT to the ACT -- both measure the same thing but differently and are used by different groups for basically the same reason.

 

Read: http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-version...

FICO8FICO8Visit my posts:
03/1712/17My 11 Rules to Credit RebuildingFree FICO Scores!
550EX
570TU
559EQ
710EX
701TU
734EQ
FICO alert: why did my credit score drop???
Message 8 of 12
Senior Contributor

Re: Equifax score


Tryin2betterscore2 wrote:
Where can we find the real Equifax score for free except for credit check total? I am tired of getting the free trial for a week then hassling to call to cancel....

No need to torture yourself with a phone call to cancel.  Cancel via email using help at credit check total dot com.  I start my $1 trial and send a cancellation email later in the day or the following day at most.  They usually send an email confirmation back in 2-3 days saying that they got my email and are cancelling it.  If not, I send another email on Day 4 or Day 5 of the trial.  I've cancelled many a $1 trial with emails. 

Message 9 of 12
Regular Contributor

Re: Equifax score

@BBS. .... thanks I might try that next time. What information do you put in the email ? so that I know I have it worded right.

Message 10 of 12